vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells fargo bank / mortgages, have deliberatly refused to answer any of my questions about no1 Fraudulent forclosure, no2 no missed paymants, no3 acount in credit {$1000.00} {$5000.00} in escrow, insurance damage check {$2500.00} total {$8500.00} no 4, forced home owners insurance at XXXXtimes amount, no5 altering documants, perjury committed, no 6 house sold to third party then resold within XXXX days $ XXXX more, no XXXX predatory lending stole property, with XXXX % equity over $ XXXX stolen no7,, miss sold pickapaymant mortgage no8 FHA insurance fraud, XXXX cfpb cases to date with wells fargo bank, all these qestions have supreme court and county court orders for compensation, cfpb why are applying zones when wells fargo bank has decieved the consumer, why are you saying people are protected why, i requested your help in XX/XX/XXXX and you did nothing and i lost my home in XXXX XXXX to fraud and you did nothing about it then Now XX/XX/XXXX and more complaints to you all i see is are fineing wells fargo bank, and not passing on any compensation monies you are working for wells fargo you can say you won this and that no money has changed hands. also no 8 croocked judge XXXX XXXX XXXX county court in Cahoots with wells fargo, also atterney for the bank handbook how to fradulently print and copy documants forgerys this bank is sham it should be shutt down

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an very old debt that is still showing on my credit when the statue of limitations have past for over 7 years.

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 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.

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 2016-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it 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
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.

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 2015-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2015, my mother passed away I was named Executrix of the estate. On XXXX XXXX, 2015, I mailed a copy of the death certificate, letter of Testamentary, and letter of intent to sell the property to Wells Fargo to stop the reverse mortgage. On XXXX XXXX, 2015, the appraisal ordered by Wells Fargo was completed. On XXXX XXXX, 2015, I contacted the representative from Wells Fargo that was provided to me. The paperwork was received and I inquired as to the results of the appraisal. She stated that she had not received it and to call back in one week. On XXXX XXXX, XXXX, I again contacted Wells Fargo regarding the status of the appraisal. I was told there was no appraisal had been submitted to Wells Fargo but she would check into. She advised to use XXXX to establish a selling price. On XXXX XXXX, 2015, I left a message for the Wells Fargo and to date there has been no follow-up from Wells Fargo. On XXXX XXXX, 2015, I called Wells Fargo to obtain an email address to submit my concerns. I was advised that all communication can only be through phone or fax. On XXXX XXXX, 2015, I faxed a letter demanding a copy of the appraisal by XXXX XXXX, 2015 or I would contact your organization. To date there has been no response from Wells Fargo regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.

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: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My problem is with Wells Fargo, they are the servicer of my FHA mortgage loan and they are refusing to give me a chance to save my house. They are not assigning a dedicated contact to review my information, they are not even opening a case to consider my financial situation and have set a foreclosure auction date to sell my home. I feel this is wrong and that they should be allowing me to be considered for options to save my home because I suffered a true hardship, but am now in a more stable financial status. 

I worked as a XXXX for 12 years but was hurt on the job in XX/XX/XXXX. I had enough money saved to continue making my mortgage payment to Wells Fargo for a few months. I had applied for workers compensation but this took several months to get approved. When I ran out of money in XX/XX/XXXX I could not afford my mortgage payment because I still had not received the workers compensation money. After I was a couple of months behind someone from Wells Fargo contacted me and I told them I needed help and needed to be reviewed for the programs set up to help people who are behind on their loan. However, despite several attempts I have made no progress with Wells Fargo. Instead of opening a review for the different programs that I know should be made available to borrowers with FHA loans Wells Fargo has set a sale date. 

I am now receiving my workers compensation and also able to do some part time work. I also have rented out some rooms in my home to boarders so that I have enough income to afford my bills and mortgage loan payment. I want nothing more than to resume making the payments on this loan all the way till the end. My problem is that Wells Fargo has not given me a chance to be considered for these programs. I have spoken with a counselor who told me that Wells Fargo is required on FHA loans to review me for modification, partial claim, forbearance plan or repayment plan, not to ignore me. I am also aware of the fact that Wells Fargo received approximately XXXX dollars in bailout funds from US taxpayers and that they are supposed to work with struggling homeowners. My problem is that I ca n't cut through the bureaucracy at Wells Fargo and get them to play fair and work with me to resolve this problem.

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank. On XXXX XXXX a deposit in the amount of {$4900.00} was made to my account. It posted and then was immediately withdrawn. When I inquired, I was told by a woman in their fraud department that it was fraud and that they had frozen my account and would cancel it on XXXX. That deposit was from a relative in XXXX, Georgia to help me with buying a car. The freezing of my account has my funds in a tailspin because I am retired and receive my pensions by direct deposit. Ultimately, I blame the government for this debacle. It has financial agencies paranoid about money laundering, XXXX funds and XXXX financing to the point that it is just easier for them not to deal with the problem than to determine the facts. The woman at the bank 's fraud department was terse, peremptory and blunt and advised me that I should have known what to tell me relative! (? )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This was/is a FHA loan and as such is insured against a total loss. This house is still in my name and not has been foreclosed upon. As a result I am not able to acquire a new loan or property under FHA 's guidelines due to the existing FHA Account number which is managed under XXXX. 
Wells Fargo needs to release my obligation and connection to this property and clear my XXXX record back to when the BK-XXXX7 was filed 2009, or at a minimum 3 years from when I filed which would be the penalty if they had settled with HUD.

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 — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I obtained a mortgage loan from Wells Fargo Financial on XXXX/XXXX/2007 for an amount of {$39000.00} with an interest rate of 11.88 %. To this date my balance is {$32000.00} with the exact same HIGH interest rate. I set my account up on a automatic draft of {$250.00} every 2 weeks in hopes of seeing my balance go down. My payments are {$430.00} and I am paying {$500.00} a month. The majority of my payment goes to the interest. At times NONE of my payment is being applied to the balance at all.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo was included in our bankruptcy yet they continue to update with a balance and negative account every 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 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
I have been in my home for 18 months. On XXXX XXXX, XXXX the current servicer of my mortgage ran an escrow analysis that resulted in my monthly mortgage payment doubling from {$1400.00} to {$2900.00}. This was reportedly the result of the XXXX property taxes being grossly underestimated in the payment schedule presented to me. I have a 30-year conventional loan with a fixed interest rate. The new payment of {$2900.00} is being imposed over 12 months in order to reimburse the XXXX Escrow shortage and to make the XXXX Escrow balance current. My finances will not allow me to make these substantially increased payments on this mortgage at the new monthly payment. The home I bought was a new construction home direct from the builder and I used a mortgage banker that the builder considered to be preferred. I went ahead and used this mortgage banker to originate and fund the loan and upon closing the deal, the mortgage was sold to another financial institution who now services the loan. At closing, the Title Company included a Payment Shock Notice, which makes mention to an expectation for bills to increase substantially and my monthly escrow payment could be much higher. These terms are very ambiguous and the increase I experienced is not substantial, it is tremendous and I feel, in no way should be considered reasonable to impose on a consumer. My inability to afford this new payment will cause me to immediately default on the mortgage, it will cause financial turmoil, and will cause immeasurable disruption to my family. It appears that there was an error on part of either the mortgage banker who wrote the original loan, or the current mortgage servicer that took over the loan. This situation is absolutely unreasonable, and my family is the victim of a massive mistake that was made by a professional organization that we trusted to handle the transaction of purchasing a home.

Company response to consumer: Closed with explanation