vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company?

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 modification,collection,foreclosure — 
Company: Bonial & Associates, P.C
State: NJ

Complaint narrative:
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.

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 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been working in good faith on a short sale with Wells Fargo. They initially drug their feet causing my first buyer to walk away. They only approved the sale after my first CFPB complaint. By then it was too late. Then we submitted a new offer for a sale and again Wells Fargo delayed the process only to deny the sale using a XXXX that was XXXX XXXX XXXX for a value. I again filed a CFPB complaint. They assured me they would do a new value if I found a new buyer. I have a new buyer and again Wells Fargo is dragging their feet, asking for documents over an over again. In the mean time I have received nearly XXXX denial letters stating they could not offer assistance because of no change in my circumstances? Also, when I call, they tell me nothing has been in review since XXXX, yet then ask for more documents. Which is it? Is there an active short sale or not? Now they have a sale date scheduled and their attorney some how obtained a judgement without every notifying me of the court hearing. I believe Wells Fargo is keeping the Short Sale " inactive '' so they can dual-track.

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from 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 2015-11-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!

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 2016-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.

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 2015-05-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was under a modification XXXX of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure XXXX days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification XXXX XXXX, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them many times without response. Recently I again reached out and they sent me to home preservations to assist me in modifying my mortgage. I am afraid to reach back to them on the basis they may start messing with my mortgage againAll I want is the foreclosure off my credit, it is impossible to exist theses days with this. 
I am enclosing the recent letter to them and their response.

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