vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am requesting wells fargo send my original mortage loan documents with my original signature on document to any local branch within XXXX miles of my property so I can examine the document. I am once again stating my mortgage documents were altered by wells fargo and its employees. My rate was changed. 

And recently the investigation regarding wells fargo and XXXX plus employees doing fraud on other XXXX plus wells fargo customers re affirms my claims that my documents were altered. 

I am requesting to see the original mortage note and mortage documents. 
Below is a previous case Info. Above is updated info I am requesting. 
I am a victim of Predatory Lending. Please see attached documents. Wells Fargo is refusing to provide complete closing documents. They are downplaying HUD-1 Documents were it shows I am not suppose to pay mortgage insurance. They provided me a copy of a document which I signed at closing, which only shows the following : Page XXXX of attached documents shows no signature from me. 
Page XXXX document is altered. Under where it says Estimated taxes and insurance, someone typed in Includes Mortgage Insurance. This clearly looks typed in. 
Page XXXX also shows someone typed on the bottow left, Initial Print XX/XX/2013. No other document shows this. This was typed in there during my complaint process. 

Wells Fargo provided XXXX document which I was told to sign at closing and that it was a mistake and they would fix it and not to let the closing get delayed because of this. 

I want this matter investigated properly.

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 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is stating that they did not receive my mortgage payments for 4 months which I learned this new information on XXXX XXXX late that evening and that my house was in foreclosure. My last payment was on XXXX XXXX of 2016 and when I called to check on my payments they said everything was fine. On the XXXX XXXX When I found out that they had a place my house in foreclosure right after making my payments. Now I am presently being investagated by Wells Fargo for their mistakes. Which they have change the resolution dates for their findings three times and it 's XXXX XXXX. They are refusing to deal with me and advised me to contact you all after a disagreement. They are saying that all long they had the wrong account number but in XXXX they used the same account number save XXXX which they got their payments. I have not received any notices that they had this problem nor my house was going in foreclosure until 6 days later after making my house payments. Please help 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 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I fell behind in my mortgage due to a change in income, I lost my job.My home has a forclosure date of XXXX/XXXX/2016 on it. I have been trying to work with Wells Fargo to remedy my situation. I have an active purchase offer for my home. I faxed in the offer with proof of funds from the buyer to Wells Fargo on XXXX XXXX, 2016. They have told me they may not accept the offer due to time frames. I need help to postpone this forclosure. 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 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have several accounts with Wells Fargo. In the six months I have have unauthorized funds taken out of my checking account. They did investigate and put the funds back in my account. I now feel very insecure with the handling of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is not a duplicate complaint. I am refiling this because I gave the wrong account number in my previous complaint and Well Fargo was unable to respond. 

I went 60 days late with my Wells Fargo mortgage on XXXX XXXX, XXXX. When I tried to make a payment online on or about XXXX XXXX, I could not log on to my WF Mortgage account. On or about XXXX XXXX, I received a Notice of Acceleration stating the entire mortgage balance was now due. I contacted WFM and after several discussions with several different people, I was told they could not help me and I was referred to their Home Preservation Unit. On XXXX XXXX, XXXX, they stated they may be able to help and I filled out the required forms and provided the supporting documents requested. 

On or about XXXX XXXX, XXXX I received a notice stating my home would be auctioned on the county courthouse steps on XXXX XXXX, XXXX. I contacted WFM XXXX XXXX unit several times and never got any answers, only to keep waiting for them to get back to me. In late XXXX I hired an attorney. After several attempts to discuss the issue with WFM, he got frustrated and said we needed to file suit. On XXXX XXXX, XXXX, 3 days before the planned sale, WFM advised they were unable to help me and my house would be sold. We filed suit on XXXX XXXX, XXXX and were granted a XXXX. 

At that point my lawyer was finally put in touch with their lawyers and discussions were more fruitful. In early XXXX WF lawyers proposed a final settlement that required we pay all past due payments, their legal fees, and that I would have to add escrow to my loan. They were to remove all reports of foreclosure to all credit reporting agencies. 

We paid the amount and everything seemed ok. We only owed about {$62000.00} on a {$110000.00} loan on a home valued at over {$300000.00}. Had I been upside down on the house it is doubtful WFM would have taken the actions that they did. We eventually sold the house in XXXX and paid off the mortgage. 

Now in XXXX, I am trying to get a new mortgage for a very modest home to be built on rural property we purchased with the sale proceeds. However WF is reporting that my account went 60, 90, and 120 days past due beginning in XXXX of XXXX, during the time they would not accept any payment, only the accelerated amount, and were reviewing my application for assistance. I do n't believe it is fair to report these amounts when I could not have made a payment and was waiting for them to decide whether they would provide a modification or other workout. I contacted all XXXX reporting agencies about this and they merely contacted WFM and was told the reporting was correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find 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 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. 

My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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 XXXXLoan # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX XXXX, XXXX.CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Re assistance application for WellsFargo Equity Line XXXX My husband I have been applying for mortgage assistance on the above equity line from XX/XX/2015 when we applied for modification on the XXXX mortgage. We have submitted paperwork so many times and talked with so many Wellsfargo representative that we have lost count. 
We were initially lied to by a Welsfargo phone representative last year that the bank was going to evict us and had us spend all our emergency funds of over {$70000.00}. To-date we are still struggling with getting assistance or a solid answer from the bank. 
Today XXXX XXXX called us to say the bank was not going to offer any assistance because we are facing a hardship but he could help with liquidation. This is after month of interaction and paperwork. We can never get a straight answer nor does the banks representatives answer emails. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. 
When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). 
The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.

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