vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Compliant # XXXX The problems continue with Amerihome Mortgage company I they have again failed to process my XXXX payment and now I ca n't make a XXXX payment useless I pay for 2 months now. In an attempt to get away from them my mortgage broker informed me my credit report has been damaged by there failing to process my payment in this summer. This will prevent me from getting refinance. There employee who stated she tried to call me on XXXX XXXX lied and never called me at all. This is criminal to case me personal damage on my credit report and to put my home in danger of default by not posting payment made to them. Please Please help. Below please find the email sent to their staff attorney XXXX/XXXX/16 regarding my XXXX payment not be posted. He contacted me after receiving your compliant. 


Dear XXXX XXXX ( Attorney for Amerihome Mortgage ) I would like to let you know the problems continue with my not being able to make payments on my mortgage due to your system errors. I made a payment on line in XXXX with a manager in your office and discovered the payment has not been registered yet and my XXXX payment is not showing as having been paid. I can not pay my XXXX payment on line as it requires XXXX and XXXX be paid! I spoke with a mortgage broker to refinance to get away from Amerihome and he said you have damaged my credit report by stating my payment was 30 day past due. I need to have these issues resolved asap this is absolutely horrible. I spoke with someone in your executive office 2 days ago who lied and said she called me but no message was left on my cell phone and my home phone ca n't take messages. I hope to avoid filing a new compliant with the federal government and to not look for additional regulatory assistance with this important matter. I can be reached at XXXX XXXX XXXX XXXX. I need to have my XXXX payment posted and in order to make my XXXX payment and to have my credit cleared.

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 2016-01-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife and I received a wire to pay off our mortgage on XXXX XXXX, we went into a Wells Fargo branch to have the funds moved to payoff our existing mortgage so we could purchase a new home on Thursday. The branch representative called got a payoff and moved the funds provided us a receipt and said it would be showing in 24-48 hours. We checked this morning and were shocked to see a balance on our account. When we called Wells Fargo to find out what was going on it appears the branch did not appropriate the fund correctly and instead placed the funds toward future payments. We asked for this to be fixed but were informed it would be 48-72 hours thus delaying and potentially jeopardizing the purchase of our new home. I stressed importance of this to the mortgage rep on the phone was told nothing they could do, I spoke with a supervisor XXXX who also said nothing they could do it was not her fault the branch made a mistake and they have to re-appropriate the funds, the branch should have wired the funds vs. transferring. I explained this was not our mistake and Wells Fargo as a whole needs to resolve this was told nothing they could do, I mentioned filing a complaint with CFPB and was transferred to XXXX in the executive escalation team. XXXX was very nice but once again even though Wells Fargo received our funds in the form of a wire they could not verify that those funds are paying off our old mortgage so she was not able to provide anything or verify for the new lender that the funds are in Wells Fargo system but were applied wrong. This places us in a very bad situation that could potentially not only cost us money, we could lose our new home and since our old home is set to be rented/occupied on XX/XX/XXXX my wife, my children and myself are left without a place to live.

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 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.

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 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: LA

Complaint narrative:
No knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.

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 2016-08-24 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
My name is XXXX, but I was XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back

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 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit information.

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 2015-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I 've filed a complaint with the CFPB ( Case number : XXXX ) and received the Unethical Reply by the Mortgage company of original complaint. The review was as follows : " We 've been unable to establish contact with the authorized third party, XXXX XXXX XXXX We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. '' I STRONGLY DISAGREE with any suggestion that I, XXXX XXXX, XXXX have been difficult to reach! 
Upon receipt of the Unethical Response I made phone contact with CFPB to bring notice of the Unethical Response. I was directed to make another complaint, which this promotes. 
This type of Unethical Behavior demonstrates the Unethical activities of WellsFargo Mortgage. It 's unfortunate that the PRESIDENT of the institution and subsequent employees gamble with his/their financial stabilities, with the direct involvement bringing liability to such activities. 
WellsFargo must NOT be attempting to any form of contact with me and their response to my original complaint is another misleading message and is in fact one of deception.

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 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I completed a short sale in XX/XX/XXXX and I was informed from the independent foreclosure review that all negative reporting will be removed. The mortgage company is also still reporting a late that occurred XX/XX/XXXX that needs to be removed.

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 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''

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 2015-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a home equity loan with Wells Fargo that I wish to refinance with XXXX XXXX XXXX. The payoff quoted to the credit union was {$6200.00} more than the balance of the loan. Wells Fargo says that is to cover insurance they placed on it from XX/XX/XXXX till XXXX. I have always been fully covered by XXXX insurance. XXXX verified that they did fax proof of coverage for that time period to Wells Fargo XXXX. XXXX re-faxed all pertinent documents again today. Wells Fargo is telling me it will be 12 days before they can " process '' the faxes! Meanwhile my loan ca n't close with XXXX. Wells Fargo has had the documentation needed since XXXX. In addition, how could lone year of insurance on a {$170000.00} home in XX/XX/XXXX cost {$6200.00}?? Wells Fargo seems to be very inept or very dishonest.

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