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

Complaint narrative:
Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you XXXX XXXX

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 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This company has done a credit inquiry on me without my permission or knowledge causing a hard click on my credit file effecting my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Hello my name is XXXX XXXX and I. Am upset.. I have been trying to close on a short sale and was told that I could get up to {$3000.00} in moving cost at closing.. But was just told after I signed the paper work stating i would receive last week that this week I was n't entitled.. I have been in and out the hospital due to XXXX and staying at my sisters but maintaining the property, property insurance and still have valuables in the house ... I have been told for the last 6 months I was entitled to the exiting funds ... Wells Fargo has done enough to my family and I..i was a victim of predatory lending where brokers and Realtors went to jail, I have had to let the house sale for XXXX instead of them letting me purchase the home, and lol I 'm asking for is my exit funds of up to {$3000.00} .... On the paper i signed it states {$750.00} if we closed after closing date and then I would be entitled to the {$1000.00} if we closed before the closing date .... Also the law has changed it is now up to {$3000.00} for exit funds. I just want what 's do to me ... I still maintain the insurance on the property and my belongings are there ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a mortgage through Wells Fargo, which was a refinance in XXXX, and they modified my loan in XXXX, when I lost my job. I was current on my mortgage and remarried in XXXX. I moved to my husband 's home and we continued to pay XXXX mortgages, and attempted to do farming on the XXXX acre XXXX. We realized we could n't keep that up indefinably, so we went through a Realtor and sold it on contract at her suggestion. He stopped paying after about 6 months, so I removed him and rented it to someone else, who did the same thing. XXXX of these people trashed the place. I evicted the tenant, and since I have been unable to pay the mortgage, as we moved out of state, I have been trying to sell it on a short sale. We had XXXX decent offer, which came in at XXXX what I owed, and was refused. The appraisal they did on the property was a drive-by and did n't include any interior damage to the property. It came in at about what was owed on the property. My Realtor was disgusted and basically dropped the home after 6 months. I tried to contact my Home Preservation Specialist, but have yet to hear back from her, so I spoke to an associate and said I wanted to do a Deed in Lieu of Foreclosure. My response was the full Foreclosure Suit from the courts of the county the property. The XXXX is listed as XXXX Bank XXXX XXXX, as Trustee for XXXX Mortgage Loan Trust XXXX XXXX, Asset- backed Pass-Through Certificates, XXXX XXXX. What options do I have? I do not occupy the property, it is not worth what they say it is or what I owe on it, and they apparently do n't want to do a Deed in Lieu of Foreclosue. I have XXXX days- well XXXX now, to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.

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 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On Saturday, XXXX XXXX 2016, I ( a business ) opened an account and deposited cash and a cashier 's check ( {$300.00} in cash and {$2000.00} in check ). I asked the Wells Fargo representative ( XXXX XXXX ) that was helping me when the funds would be deposited. She told me they would be in the account by Wednesday, XXXX XXXX 2016. When Wednesday came, I checked the account only to find out that that there was a hold on my cashier 's check. {$200.00} were available on the XXXX ; however, the remainder would be available on the XXXX. I called the XXXX number and informed them ( I do not have that representative 's name ) of Regulation CC. She told me that I needed to talk to a branch manager and that she nor her supervisor could remove the hold. I went into the branch on XXXX XXXX 2016, and informed XXXX XXXX of this issue. She called the " back office '' and they stated that the remaining {$18000.00} would remain on hold until XXXX XXXX because my account was just recently opened. I shared with XXXX that this was against the law and she told me that this was not her job and there was nothing else she could do. She then forwarded me to her manager. When her manager ( XXXX XXXX ) came, XXXX told me that she could not remove the hold because back office sees things that she ca n't see. I informed her that I would be filing a complaint with the CFPB and the FDIC and she responded okay. She gave me a complaint phone number and also placed a ticket and escalated it. She told me that they would get back to me on Monday, XXXX XXXX. She also told me that Wells Fargo has the right to hold any check for as long as they see fit. I asked her if that included Cashier 's Checks that had been expressely defined as next-day available items in Reg CC. She responded " any check. '' When I left the branch, I called the complaint phone number. The gentleman on the phone also told me that any check can be placed on hold for 7 business days. I asked him if he also knew that this was against federal regulation. He responded that he had to go by Wells Fargo policy.

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo did not credit my payment to my account correctly and reported a XXXX day to the credit bureaus in error. And charged me a late payment fee

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called my current bank to ask for a refinance on my current car loan. I am currently at a 6.9 % with 54 payments to go. I have improved my credit greatly since I took out this loan. They approved my loan and then offered me a rate higher than what I have at the same number of payments left. I did not know a bank can try and put you into a loan that created no benefit and raises my payment and term.

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 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
My mother refinanced a home in XXXX. As her trustee and executor I 've been paying the mortgage to present. In XXXX XXXX, I contacted the lender to inquire if there was a prepayment penalty. They said there is no prepayment penalty so I wired {$100000.00}. The person I spoke to said that the mortgage would be re-amortized. However, I was not informed at that time, that this would be an automatic re-amortization. Later I was told, that I had to either assume the mortgage, or I needed to sign a re-amortization document that only had my mother 's name on it. 
As executor of my mother 's estate I transferred the property to myself. While I do n't see any advantage to assume the loan I would n't mind if it did not cost anything. The lender said that it would cost $ XXXX to assume the loan. On the other hand, the lender advised that I can sign the re-amortization agreement except this document only has my mother 's name on it. My bank notary said the document needs to be amended to have my name as executor or trustee on the re-amortization agreement. The lender 's representative said I should just go to another notary. I pointed out that the notary checks my ID so how can I sign a document that does n't have my name on it?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been attempting to communicate with my servicer, Wells Fargo/ASC, since XXXX 2014. I am attempting to avoid a foreclosure by exploring some work-out options. My Single Point of Contact is almost never available. The next available agent never picks up the phone. My authorized 3rd Party Representative experiences the same issues. Wells Fargo has set up this system to guarantee a foreclosure because that is their preferred profit method. For Wells Fargo, investing resources in the loss mitigation department does not generate enough profit. Ignoring homeowners and eventually foreclosing upon them gives them the revenue satisfaction that they seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have a mortgage with Wells Fargo. Recently, I learned that my condominium association provides full " walls in '' insurance on my condominium unit. I cancelled a home owners insurance policy for my property with XXXX XXXX and soon after I received notification from Wells Fargo that I needed to submit proof of coverage as part of my mortgage requirements. Over the last few months, I submitted this proof, provided from my condominium association 's insurer three times through Wells Fargo 's online submission website and mailed in the same proof two times. I also called Wells Fargo on three separate occasions to confirm they received this information. After continuing to receive letters from Wells Fargo saying that I lacked coverage, this week I received a letter informing me that Wells Fargo had purchased an insurance policy for me in the amount of {$60.00} to cover my condominium. 
I completely understand this is a menial amount of money, but after reading about Wells Fargo 's settlement with the CFPB regarding unauthorized accounts, I ca n't help but feel Wells Fargo is probably engaged in other dubious practices throughout their organization. 
Thanks, XXXX XXXX

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 2015-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2016, I applied for a credit card from Wells Fargo since I have a checking account with Wells Fargo that both of my XXXX retirement checks are direct deposited every month. Application # XXXX. I was denied an unsecured credit card but offered a secured credit card. I applied and the bank said they were unable to verify my identity. They instructed me to go to a branch with my proof of identity and have a banker fax it to the credit department. I did that and was again denied because they claim they are unable to verify my identity. I sent corporate office in XXXX XXXX, California a complaint via certified mail, and attached copies of all my identification which was delivered on XX/XX/2016. They did not respond. On XX/XX/2016, I called Wells Fargo Executive Credit Cards at XXXX and spoke with Sue. She said that she would check into it. We spoke the next day and she told me to go the branch and have manager, XXXX XXXX scan XXXX documents that Sue requested so I would be approved. 2 days later XXXX told me that they still can not verify my identity. I was extremely frustrated with Wells Fargo and on that same day I applied for a credit card from XXXX and was approved. I believe that Wells Fargo Bank has discriminated against me because I am XXXX under Federal Law and because both of my incomes are XXXX retirement incomes, which are direct deposited into my Wells Fargo checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I refinanced my loan -- and, the closing documents did not include a date when the date for rescission expired. As a result, my period for rescission, under Reg Z, was extended to XXXX years. In XXXX I sent Bank of America a letter of rescission, and received a letter back from their attorneys denying the rescission. 

In XXXX of XXXX, the Supreme Court in XXXX versus Countrywide ruled that the only thing required to rescind a loan, is a letter stating that the consumer is rescinding the loan. At that time they have a 20 day window in which to file an opposition lawsuit -- and if they do not do that -- the Supreme Court states that the loan is rescinded by operation of law. Bank of America did not rescind my loan, and subsequently conducted an illegal Trustee Sale, and an even more illegal 3rd party sale of the property to XXXX. 

I am now fighting an illegal eviction from a party who, according to the Supreme Court, can not possibly 'own ' my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for " XXXX ''. I then sent an email to a XXXX complaining ( XXXX ) eleven days ago, and it has been ignored. No response from any XXXX or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I asked Wells Fargo if they would accept a Deed in Lieu before foreclosure for my home mortgage. They accepted the Deed in Lieu and said I had to vacate the property XXXX XXXX XXXX, XXXX. I requested an extension so I could get everything moved out of the house. They gave me an extension. We vacated the property on XXXX XXXX, XXXX. Wells Fargo said they would pay our moving expenses, but to date they keep postponing the moving expenses payout. I keep contacting them but the last time XXXX XXXX said I would have the check no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and no check has been received. I have constantly been the XXXX to contact them. First to understand exactly what a Deed in Lieu entailed, then to ask them to secure the house as it is in the XXXX and the weather can damage the house. The last time I contacted them I told XXXX XXXX I just had the oil tank filled and shut off the water pump and drained the lines. I asked him to please secure the property properly and have the house winterized as the house was in PERFECT condition and I wanted it to remain that way. I had lived and cared for that house for 25 years and only relinquished possession of it due to my inability to keep up with the mortgage and escrow payments, now that I am getting on in years and my income has finished. Please assist me with receiving my relocation check as promised. My address will be provided upon request as I am not to include personal information in this correspondence. My mortgage is less then {$600000.00} and the XXXX estimate of the houses worth is $ XXXX.

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