vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX, GA XXXXOn XXXX XXXX, 2015, Wells Fargo sold my house through a foreclosure. Prior to the sale, I have sent to XXXX XXXX, my contact person all requested documents for the modification. Around XXXX XXXX, 2015 XXXX XXXX called me to request a new document that I have to download from the website. Because of confusion and type of document, I called XXXX XXXX to help me identify the new document.on XXXX XXXX, 2015. This document was completed and later sent to Wells Fargo prior to the sale date. Today, XXXX XXXX, 2015, XXXX XXXX mentioned that XXXX XXXX had requested of me proof of residence in that phone conversation. This is new to me and this information was never talked and mentioned in the conversation. This is another manipulation of facts or misrepresentation by the employee ( s ) of the company. At no point that she mentioned proof of occupancy.in the conversation. Today XXXX XXXX said that she wrote that statement in the side note. I was not aware of that until today. In addition, there is no over site. Wells Fargo can foreclose properties without facing any consequences. The company received TaxPayers money to conduct his business with the promise to provide loan products to minorities. So far, this promise has not been fulfill. I have requested Wells Fargo to rescind the sale of XXXX XXXX,2015. I have not heard anything yet,, The negligence for the review of HUD rules showed how powerful this institution can be. Therefore, they intentionally discriminate against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: MD

Complaint narrative:
Automated recording left as voicemail. The company is calling me as the brother-in-law of someone supposedly owing a debt. They are calling repeatedly and leaving an automated voice mail which asks me to call to have my number removed. 

" Hello. This message is for XXXX. If this is the wrong number, please call XXXX to have it removed. If you are not XXXX, please disconnect immediately. XXXX, you should listen to this message in private as it contains private information. I 'll pause so you can do so. This is XXXX XXXX from WIndham Professional Incorporated a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX. 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 non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been contacting ASC ( Wells Fargo ) regarding a modification of my mortgage. Before I could provide proof of a change in my circumstance since my last review, they advised me that a new rule, which was implemented after I started this process, states that no modification would be considered on a loan that is in arrears for 3 years or more and had been offered a modification in the past. I was first told that this was an investor rule, then I was told that the rule was a CFPB rule. When I called CFPB, they said they have not heard of such a rule and that it was not a CFPB rule. ASC keeps giving me the run around and have not been able to confirm who 's rule it is. I left several messages for the person assigned to my case in the escalation department and have not received a call back regarding this question. The re-entry department died me without reviewing my change in circumstance but I keep getting letters that my file has been assigned to a Home Preservation Specialist, who keeps sending me financial worksheets to fill out, which is totally confusing me, why would they send it if they say I 've been denied. Every time I call to speak to the Home Preservation Specialist, the call center says they ca n't transfer me because I have to speak to the re-entry department first. I am frustrated and confused and just need consistent answers from someone who actually knows what they 're talking about. 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 2016-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.

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 2015-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage : I believe it was in XXXX 2012 I was forced to move from my home because of financial reason ( loss of employment ) and violence in neighborhood ( XXXX, XXXX, XXXX ). Before moving, I contacted WF and tried to short sell the home, then I tried to deed-in-lieu. Over the past XXXX years I would be told I was approved, then I was n't approved because a piece of paper was lost, or the time limited had expired on my file ... this has been going on and on. Now I am being subjected to a collection agency. I do n't believe that WF has the deed to this property and I am powerless to do anything about it, but receive the outcome of having credit rating trashed and no answers. I have even tried to use an attorney but am told that there is nothing I can do. Foreclose on the property and let me have my life back. I am XXXX and am now estranged from my husband that has recently lost his job because of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is the second complaint that I have filed on Wells Fargo Dealer Services. The first one they responded saying that the other party involved was going to handle this. Well that party will not answer me, so therefore it falls back on Wells Fargo. We had a vehicle repossessed ( completely our fault ) we paid what was due and with in 2 days later our car was picked up again!!!! I can not get Wells Fargo or the other party to answer me now. This was wrong and they need to own up to 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 monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed.

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