vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: PA

Complaint narrative:
I sold my home on XXXX XXXX 2015. I spoke with my Lender, Franklin American Mortgage co, multiple times before closing and was given different answers and the same thing happened after closing. Multiple issues include : the title companies check does not match what was deposited into my account that the mortgage co has listed and I was told I would receive a refund but never did. 2nd. the title company was given the closing payoff for XXXX/XXXX/2015 but should have only had the one from XXXX/XXXX/2015 and as the instructions state on the payoff statement I would just add XXXX give or take if paid after the first of XXXX/XXXX/2015 there was no cut off date on payoff form to state when this payoff was not valid any longer. I was informed by XXXX different mortgage representatives that since I was closing XXXX/XXXX/2015 I would go by the XXXX/XXXX/2015 statement and follow the direction of adding the interest. I was told multiple times that the title company should have not received the XX/XX/XXXX payoff and the mortgage company had no clue how they got that XXXX. The mortgage company told me that I would receive a refund since there would be a difference in the XX/XX/XXXX payoff which was the correct one the title co should have had. 3rd I paid MIP multiple times and feel have overpaid. I was told by the co mortgage payments are in retro so my last payment was XXXX/XXXX/2015, which would have been for XXXX 's interest and MIP and then XXXX XXXX 's payment ( closing ) included all the interest and fees and that would have been payment for XX/XX/XXXX and XX/XX/XXXX. However, I paid fees in closing plus XX/XX/XXXX and XX/XX/XXXX there was MIP payments taken out. Since additional MIP payments were removed from my account I received XXXX from my escrow balance and not the XXXX that I was told from the mortgage company I would receive. I have communicated with multiple people including managers at the mortgage company, but all of them had a different answer or reason. I think I am owed a refund for additional MIP payments removed from my account and also the difference in what was paid on the HUD sheet verses what the mortgage company has in my account history. My final contact with them was through certified mail and they responded back with even different info then I was told on the phone by them and the same paperwork I have been sent that still does n't make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of 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
Consumer complaint received 2015-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reportedly report payments wrong on my credit report even though they have been written about these errors more than XXXX. On both XX/XX/XXXX and XX/XX/XXXX one can clearly see on the statements form Wells Fargo Bank. In XX/XX/XXXX they processed the payment for that month on the XXXX of XXXX. In the past month tried to get ahead by paying {$500.00} before the new payment was due and instead bank used it for so called. " late Payments and not towards principal and interest from for the loan Because of their continued malfeasance, recklessness, and stubbornness to investigate and report accurately has cost my family significant amount of money. We not only have had our credit reported wrong and has prevented us from refinancing as well as current lenders are charging more interest due to the reporting charging more because of the reporting. We are also prevented from lowering our interest rates with any of our other creditors by allowing us to participate in offers with a little higher reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.

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 2016-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
NOTICE OF COMPLAINT DENIAL LOAN MOD & FORECLOSURE XXXX XXXX ( Borrower ) XXXX XXXX XXXX XXXX . 
XXXX, Ill XXXX Tel. XXXX Re : Wells Fargo Loan # XXXX Wells Fargo wants to Illegally Foreclose my property and also Denied Loan Mode. 
Need help to get Loan Mod & Stop Foreclosure of my house.

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 2016-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, Used the bank Wells Fargo to direct deposit illicit funds into other bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

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 non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.

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 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.

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 2015-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MI

Complaint narrative:
On XXXX XXXX, I contacted my mortgage company informing them that I had started a new job and that I would be making the mortgage payment at the end of the month due to my pay being by-weekly. We agreed for me to submit a post-dated check for XXXX XXXX of this year to be sent to the processing center and that it would be noted that the check would not be processed until that date. On XXXX XXXX, upon receiving the check, the processing center processed the check and it came through my bank prior to XXXX XXXX. On XXXX XXXX, I contacted the mortgage company, and they were less than helpful with me in resolving this issue. I was also informed that the company only makes post-dated arrangements electronically and over the phone, which I refused to divulge ANY information regarding my bank accounts over the phone, and that it was agreed that I could mail a check. I went to my bank later that day, an investigation was opened and on XXXX XXXX, I received a letter from the bank that there was nothing they could do about the issue, it was between me and the mortage company. As a result, I was charged {$91.00} by my bank ( $ XXXXper day ) for each day that the account remained overdrawn. I am asking that the mortgage company either refund the {$91.00} directly, or that the amount be applied towards the balance of the Mortgage principal.

Company response to consumer: Closed
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo customer. I have two credit cards on my account that I do not recognize. 
I discovered information on my XXXX credit report.

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 2016-11-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
A soft inquiry on my credit bureau report lead to a review of my credit card and Wells Fargo determined that my inactivity on the credit report was a risk and needed to close my credit card. Called Wells Fargo to discuss the situation. Wells Fargo advised that I could apply to have the credit card reviewed for reopen but they would have to pull my credit information again to see about reopening it. This seems like unnecessary credit pulling.

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 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, I 'm having issues with my mortgage company saying that they can not discuss anything with me. They say that my estranged husband is the only one they will communicate with. they know we have been separated since XXXX and that I reside in and maintain the property. Recently I 've had some financial hardships and I 've reached out to the lender and they refuse to communicate with me as well as their lawyers. I was informed by housing counsel that as long as my name is on the note they should communicate with me. To no avail they wo n't. I feel there are some inflated costs to reinstate my mortgage so I made several attempts asking why and no one will communicate with me. there is also the question of would I even have all of these costs if they would have communicated with me from the beginning. Please if you can help me I need and want my home for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan modification through Wells Fargo whose interest is going up to 5.2 % next month. It is my principal residence. I 'm told that because it is a mortgage backed security loan I can not qualify for any program. I can only do a deed in leu or a short sale. The loan modification they gave me also consists of a {$34000.00} ballon payment and is an interest only loan and any additional money received would go to the balloon payment. 
This home is in XXXX California. I held on to my property even though it was upside down when many walked away. My home is still slightly upside down but is recovering. Now I am placed in a financial hardship condition through a dramatic interest increase. My home was previously purchased with my then fiance. Had such a loan been not acquired, my then fiance would not have received as much of a settlement. I feel like Wells Fargo is extorting me, and I find their behavior unethical and immoral. We, the American people can bail them out but in their interest of making as much money as possible can not and will not work with homeowners.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by.

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