vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.

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

Complaint narrative:
I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I originally submitted a complaint based on denial of the short sale because of affordability, they agreed they were wrong because I am in the military XXXX VA. Now mt problem is with the counter offer price they asked for on XXXX XXXX. The comps for the fair market value are around XXXX. They originally countered at XXXX back in XXXX 2015. This time they countered with the same buyer for XXXX. I am attaching the comps that were requested when we first disputed the counter offer. Nobody has returned my calls from Wells Fargo, and I have called several times as well as left messages. I would like to know what basis they are coming up with this sale price, especially when the buyer 's bank goes for an appraisal it will not be anywhere near XXXX. They have come down XXXX from XXXX, but are still extremely high on their asking price. Why would anyone purchase a home for more than it is worth, and what bank would loan them money for a home that was n't worth the asking price? I truly do n't understand and feel XXXX XXXX is taking advantage of the situation. I have a buyer, ready to purchase the condo for fair market value, why would they intentionally sabotage the deal with such an absurd counter offer? Would they rather I let it foreclose? I would like an answer to the ultimate question and what their appraisal found the fair price should be, based on the comps I am including.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concernRe : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , fl XXXX ( XXXX ) XXXXXXXXAccount # XXXX WellsFargo Bank NAI filed this complain due to a fraud was made in my account on the month of XXXX XXXX, 2015 for the amount of {$5500.00} all this money was withdrawal from my account I was overseas when withdrawals were made in my account without my authorization. I filed a claim with the bank institution which in this case is WellsFargo Bank NA and followed all gave all my supported papers staying that i was not in the country at the time of this transactions. I filed this claim on XXXX XXXX,2015 and this is the claim number with WellsFargo XXXX. I have done XXXX claims and went to the police and no answer just denial that my money was going to refunded to me this is unacceptable they have no answer for me according to them i have my card and is the same card use along with my pin when all this withdrawals made in US and I were in XXXX and denied my claim. I am requesting help to get my money back and answer from this institution that has been playing with me is impossible I could had been XXXX different countries at the same time using my bank card. I would like for you to step on. and maybe they will give you more answer and explanation more then they have evade me with bunch of excuses that not make sense. I am attaching all supported documents that were provided to the bank Institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Dillards account was opened without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I originally applied for a loan on XX/XX/XXXX. A complaint has been submitted regarding the mortgage banker who said our rate was locked but then wanted to charge us points to get the promised locked rate. Now I am submitting a new complaint because of the time this has taken. It is now XX/XX/XXXX and received this message from the mortgage banker ( XXXX XXXX ) yesterday : " The system is waiting on an approval that we received on XX/XX/XXXX. We are working towards correcting this issue and XXXX, as well as other managers are involved in resolving this. I am extremely sorry for the process thus far and I promise you that I am working on correcting this issue so we can complete your loan as quickly as possible. '' I left a voice message with XXXX XXXX yesterday regarding this " system error response '' and never received a call back. I am so fed up with Wells Fargo and that is why I am submitting another complaint. I have submitted everything requested by them and can not understand if the loan was approved on XX/XX/XXXX why it is now XX/XX/XXXX, almost a month later, and still has not been finalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Due to my place of employment changing to over XXXX miles away from my primary residence, I was forced to move and pursue a short sale of my property. I have been dealing with wells fargo ( my mortgage servicer ) for a year and a half and have gotten little to no assistance from the myriad of home preservation specialists assigned to me. My file has not been kept up with in a satisfactory way, has been handed off multiple times to specialists who do not engage in adequate communication with my short sale attorney, and dropped in and out of foreclosure status when it should not be. It is currently in a foreclosure status with a sale date, when I 've had a short sale contract in place for over a month plus all requested documentation being forwarded to them with receipt of reception. Today in particular when calling to speak to the specialist assigned to my account, I never had the opportunity to speak with her directly, but was forwarded to 4 different departments and spoke with 5 different people. It was not until I demanded to speak with a supervisor that I was able to at least be told that an email would be sent on my behalf to MY specialist assigned to MY account. This is ludicrous! How can I work with a specialist that can not be reached and that I 'm not allowed to contact? This complaint is for the home preservation department and their inadequacy to communicate with the parties involved to reach a resolution that is both timely and of mutual benefit to all parties.

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 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016, I received a phone call from someone claiming to be calling from Wells Fargo 's fraud department. After being unable to identify me by phone, the associate told me to immediately go to the nearest Wells Fargo branch. Unfortunately for me, the closest branch was the XXXX on XXXX in XXXX, California. 

After waiting in line for over XXXX minutes, when I finally spoke with a teller, I was told that I needed to speak with a personal banker, and to have a seat. After waiting for another XXXX minutes, I was approached by XXXX. 

XXXX was almost immediately hostile and aggressive. She never asked how I was doing and began in on a XXXX line of questioning : did I have an account with Wells Fargo, why was I here, who said I should come into that branch, did the fraud department tell me why I needed to come in? The last question is seemingly the most absurd as the fraud person I spoke with on the phone earlier would not tell me why I needed to come to a branch, and now the banker at the branch was asking me why the fraud department had asked me to come to the branch. 

After answering all her questions, XXXX was unable to figure out the reason why I was asked to immediately go to the nearest branch. Eventually, the service XXXX at the branch ( XXXX ) was brought in to figure out what was going. 

By that point, I was realizing why people really hate banks, and why this particular Wells Fargo branch is known as the " white '' Wells Fargo. 

After about an hour, I decided that Wells Fargo was not an institution I 'd like to continue to bank with. I then asked XXXX to close my account. As I was waiting for XXXX to close my account, XXXX of the branch employees accused me of recording, and then had the security guard escort me out of the branch. Ridiculous. 

I 'm unsure what state this is account is in as I was asked to leave the branch before being given my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I filed bankruptcy in 2009 but reaffirmed my mortgage with Wells Fargo. I have paid on my mortgage as agreed since reaffirming but Wells is not reporting my payment history to the credit bureau. They show the mortgage as a foreclosure with a XXXX balance. I have applied several times to refinance my mortgage but keep getting turned down because my account with Wells shows as a foreclosure and no balance. My current rate is over 6 % and ca n't help believe that Wells is doing this on purpose to prevent me from re-financing my debt to get a lower interest rate. I have contacted them several times but they keep telling me they are not required to report my current payment history to the credit bureau. I wonder what Wells would do if I stopped making payments on my mortgage loan. Do you think they might find a way to report my payment history then?

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 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. 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 2015-10-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My company opened a credit card with Wells Fargo at time of conception for myself, 100 % owner and guarantor of finances, and a signature only credit card for the secretary of the corporation, no ownership and no financial responsibility to the company. Being new to how a corporation credit card should be opened we believed it was done correctly. 
However when the secretary resigned I tried to close the credit card that was never activated and take him off the account to only be informed that he was placed as a guarantor of the corporation and the only way he could be removed is to payoff the card and open a new one. 
Was this fraud? Did the young man get paid for doing this? 
1 ) card was improperly opened 2 ) closing and reopening an established card causes a lot of issues to creditors and to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation