vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My parents took out XXXX life insurance policies many years ago. I did not have any info on these policies. I was contacted by XXXX XXXX, the company the policies were with. They told me that I needed the bank to complete a Release of Collateral Assignment form on each policy so I could take possession of them. The bank that had originally had the collateral assignment was no longer existing. I did a XXXX search to find what bank currently owned the assets of the original bank. Wells Fargo is the current holder of these assets. I have tried repeatedly to get the local branch to complete the forms and they will not. They will not put me in contact with anyone higher up in the company except one man who has done nothing to help. They say that they have no way of contacting their corporate office. They say they can not ask anyone at the regional office other than to put me in contact with the one man who has done nothing. They say that since the branch is a retail branch, they have no authority to help me. I offered to show them my documentation proving Wells Fargo bought the bank that had these accounts, but they did not want to see. They would only look back 7 years on their computers and say they could n't find the accounts. When I told them the accounts would have been bought a lot longer ago, they claimed that they had no records of assets further back than 7 years. ( As they are a bank, I did challenge them on this, to no avail. ) I need to have these accounts and in order to do that, Wells Fargo must complete and sign the Release. of Collateral Assignment on each of these XXXX policies. 
The policies are all from XXXX XXXX and the policy numbers are:XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?

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 2016-03-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XXXX, when my loan was with XXXX XXXX, my husband became ill after suffering from XXXX XXXX so I called XXXX XXXX to inquire about lowering my interest rate. I have a pick a payment loan and the interest kept increasing. They never helped me and I also had a XXXX with XXXX XXXX and I was current on that loan. My husband was a war veteran of XXXX and they never offered to fix the loan or give us a break from the pick a payment loan. On or about XXXX XXXX, XXXX, XXXX XXXX returned my equity line check and then immediately thereafter filed an NOD. I was always current with them and why they just sent back my check is perplexing. Then they set a sale date and I struggled to hire various lawyers to help me but nothing really worked. Then files got transferred to Wells Fargo. They would not accept my husband income at the time when he was alive nor did they accept my daughter 's income who lives with me and contributes XXXX as well as renters. I feel that Wells Fargo is just setting me up to fail and they want to keep my over {$600000.00} in equity. They are violating my homeowner Bill of Rights, they are refusing to take into account all of my income and they are discriminating against me for my age as I am XXXX and it seems like they just want to kick me out. I have lived in this house many years and they are treating me like an animal. These big companies should not be allowed to abuse XXXX citizens. I am able to pay a mortgage but I need the loan fixed to a fixed interest rate. I pray that you help my daughter and I. thank you god bless.

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 2015-06-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.

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 2016-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For the past month, Wells Fargo has been unwilling to send/transfer money from my IRA account to XXXX XXXX XXXX XXXX for Single Premium Annuity product I purchased. I have provided them with the necessary paperwork and have visited the XXXX, GA branch on two different occasions to resolve this matter. The personal banker has sent the requested paperwork interoffice and I over-nighted the same paperwork. I received a call from the XXXX, GA branch on XXXX/XXXX/2016 and was told the IRA department has not received the paperwork. I have a 30+ year relationship at this bank. I ca n't understand why this process is taking so long.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've been trying to work with Wells Fargo Bank on a loan modification on my primary residence located at XXXX XXXX XXXX in XXXX CA. I want to keep the home so I 've been trying to get this modification approved since XX/XX/XXXX ( please see attached letter from my attorney for the complete timeline ) and I have a had to start the process multiple times to have Wells asking for more, and more information. XX/XX/XXXX I started the process again, they keep doing the same thing ( see attached letters dated XX/XX/XXXX and XX/XX/XXXX ) asking for more information then telling me I was declined, then asking me to reapply again. During this time, Well Fargo 's been reporting me past due on my XXXX credit reports, which is their Home Preservation Specialists is who told me to stop paying my mortgage so they could look at processing a loan modification. 
This problem with Wells Fargo Bank over the past four years is now affecting my credit, which is causing problems with my business XXXX XXXX XXXX XXXX XXXX in getting the credit request it needs to stay in business. Please consider this issues as soon as possible.

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 2016-09-21 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC
State: OK

Complaint narrative:
They have threatened me and I am not sure why, I have told them on several occasions that I will not verify my information due to past identity theft issues. the lady in the pre-legal dept proceeded to cuss me out and threaten me with legal action and jail. I did not verify myself so she hung up on me. I told her unless she can prove I owe this debt then to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!

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 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need 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 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.

Company response to consumer: Closed with explanation