vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo issued me a final credit on a disputed charge in XXXX 2015 then two days before XXXX they reversed that final credit leaving me with no money for XXXX. They have reopened my claim yet fail to do anything or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo continues to delay an application for refinancing. I talked to a woman named XXXX and she indicated that I would receive phone call this week and so far I have not received call. Our application started in XXXX, Wells Fargo continues to provide excuses. The last excuse is that the last loan processor was at wrong desk that 's why we did not receive call. It seems they keep delaying the process so applicant has to get hire rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX after getting off of my serving shift, I walked to my local Wells Fargo location in Downtown XXXX XXXX, PA to deposit {$130.00} cash into the ATM. The machine only credited my account {$5.00} dollars. As soon as this happened, I called to file a claim with Wells Fargo. They told me it will take over a month to hear the result of the claim. Being a student who desperately needs the money to pay rent and for books, I called back the next day. They credited my account {$130.00}. 

It is now XX/XX/XXXX and after looking at my account, I have noticed that they removed that credit on XX/XX/XXXX. 

There is still {$130.00} that I deposited into the ATM that is not in my account. The claim that I opened was unsuccessful in locating my money. I believe the employees at the bank did not search the ATM when I called or they saw the money in " limbo '' and took it for themselves.

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 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX fraudulent charges were committed utilizing my wife 's debit card number and pin. I called Navy Federal Credit Union, our bank and submitted a claim to reject the charges and have the money reinstated. Naturally, I also cancelled the card. It is obvious that the charges were not done by either of us, as we live in XXXX and the charges were in XXXX XXXX, XXXX. The first charge was at an auto shop in XXXX XXXX for {$4500.00}. The second and third were both cash withdraws of {$300.00} each for a total of {$5100.00} stolen. I have submitted a police report to the XXXX County Police Dept in XXXX and the XXXX XXXX Police as well. I have repeatedly called the bank to ask for an explanation for the findings, but have received none, either over the phone or by mail. As an XXXX XXXX service member, it disgusts me that this bank does not back up its customers and repeatedly gives me the run-a-round when trying to figure out why this claim was rejected. Even if we do not get our money back, we are done banking with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX, I received a fraud alert text message from Wells Fargo. Someone had used my debit card information to spend {$150.00} at XXXX department store. I had my card in my possession, so the thief had actually stolen the information, but not the card itself. I immediately filed an official fraud claim with Wells Fargo, and they were able to discontinue that card and give me the money back, along with a new debit card which I started using the very next day. However, the next time I checked my bank statement I noticed another fraudulent charge on my bank statement for {$410.00} from XXXX XXXX and XXXX, using the same card number, that showed as happening on XXXX XXXX. I again immediately filed a fraud claim with Wells Fargo, and they provisionally put the money back in my account while they investigated. 

Yesterday, I received a letter from Wells Fargo saying they decided that the {$410.00} charge was NOT fraudulent, and they would be closing my claim. They sent a copy of the XXXX XXXX and XXXX receipt, which showed that the thief had bought XXXX {$200.00} gift cards, and scribbled an obviously fake signature. The date of the transaction was XXXX XXXX, a day before I received the Wells Fargo Fraud Notification Text about the XXXX XXXX transaction, but I never received a notification for this transaction and moreover, it did n't appear in my bank statement until XXXX XXXX so I was not able to notify Wells Fargo in a timely manner due to their own system delaying me by over a week. 

I feel that XXXX XXXX and XXXX did not do their due diligence by allowing someone to use a fake debit card without checking identification, and Wells Fargo completely disregarded my value as a customer with their investigation, and I am now using XXXX XXXX available to get my stolen money back.

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 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.

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 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.

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 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I felt forced in the last minute to pay a rate lock extension of {$810.00} because the appraiser selected by the bank ( Wells Fargo ) took almost 2 months to provide the appraisal. If I did not select the rate lock, terms would change and the whole process would be delayed for at least another month.

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 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
OUR PRIMARY HOME IS IN LISTED ON SHERIFF SALES FORECLOSURE BY WELLSFARGO BANK FOR XX/XX/2016. WE WERE APPROVED FOR XXXX TRIALS AND THE PAYMENTS WERE MADE ONTIME, BUT THE PERMANENT LOAN MODIFICATIONS WAS HIGH AND NOT BASED ON THE INCOME AND BUDGET. I CALLED AND EXPLAIN TO WELLSFARGO TO REDUCE THE PAYMENTS, THE DOCUMENTS WERE SUBMITTED FOR MODIFICATION BUT THE BANK REFUSED TO HELP WITH NO OFFICIAL LETTER STATING DECLINING. THE NEXT THING WAS THE BANK SENT A SHERIFF SALES DATE FOR THE FORECLOSURE ON XX/XX/XXXX. THERE IS NO WHERE TO MOVE TO AS WE HAVE NO ALTERNATIVE HOME WITH ALL THE FAMILY MEMBERS OF XXXX. PLEASE KINDLY LOOK INTO THIS AS WE WANT TO KEEP THE HOME. LOAN NUMBER IS XXXX WELLSFARGO BANK. THANKS

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 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was once a customer of Wells Fargo. One day, someone deposited a fake check into my bank account. When that happened, Wells Fargo decided to close my account instead to finding out what happened or to explain to me why my account was closed. It has been few years since that happened and I went back to Wells Fargo to try to open up an account, but they told me that I could n't and contact you guys. The paper in which the teller printed out for me does n't have any explanation as to why I can not open another account with wells fargo. I would appreciate it if you guys could tell me the reason why I ca n't open another account with Wells Fargo and if I could open one up later. If there are some fees that I have to pay, I 'm more than willing to pay, I just want to know why I ca n't open an account, and if I can, how I would open one. 

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 2016-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have a reverse mortgage with Wells Fargo reverse mortgage and we have been unable to acquire money from them for various reasons according to them. we used a lot of the money a certain quota which they say it has to go through HUD. and I have to write a letter instead of over the phone like we always did before. My complaint is I sent XXXX letters to them priority mail but they say they only received XXXX and they said I forgot ss # or birth date of the person whose name is on the account. 
The account name is XXXX XXXX birth date XXXX XXXX # XXXX today is XXXX 2016 Loan # XXXX Pin # XXXX Wells Fargo Phone XXXX Reverse Mortgage I sent a fax from their bank they said they could't accept a fax.

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