vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wachovia/Wells Fargo Bank forged and put into place a predatory loan modification in XXXX 2009 and hid the fact from my husband and I, the borrowers for over six years. They also manipulated the processing of our mortgage loan payments, escrow account balances, and annual escrow account analysis all in their quest to foreclose on our home which also was involved in a class action defective construction lawsuit which Wachovia/Wells Fargo continues to ignore all while trying every dirty trick to gain ownership of said home. It also appears that Wachovia/Wells Fargo did not legally substitute the original beneficiary which shows as XXXX XXXX XXXX nor did they legally substitute the Trustee from XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. Wachovia/Wells Fargo lower level employees and/or sub-contractors have denied my request to investigate the 2009 loan modification for over 6 years when I still have the original, unsigned modification offer in my files. They then were able to produce a copy of the forged loan modification a few months after the supposed Wachovia/Wells Fargo employee that authorized said modification was no longer employed by them. Every time I request a review of my account and the asked for help from Wachovia/Wells Fargo, I have been thwarted. I have been repeatedly told to re-finance or apply for a loan mod, all while Wachovia/Wells Fargo pursues a foreclosure based upon a forged, predatory loan modification. I demand that the CFPB step in and stop this illegal practice, and review every loan modification that was signed by former Wachovia/Wells Fargo employee XXXX XXXX. Her signature on my forged loan modification of XXXX 2009 is a cut and paste job that was Wells Fargo purposely concealed until after she left their employment. Based upon the original terms of my XXXX XXXX Pick-a-Payment, the current interest rate that I should be charged is and should have been charged is significantly lower than what they have established under the forged XXXX 2009 loan modification. My entire mortgage loan amount needs to be recalculated with the correct interest rate charged, which Wachovia/Wells Fargo has refused to do as they claim that my husband and I are lying regarding the XXXX 2009 loan modification. If I were lying, why would I have the original loan modification offer on the original letterhead in my files?

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 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Funds where released on XX/XX/2015But order mail to banck not until XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL

Complaint narrative:
I received a delinquent tax notice on XX/XX/XXXX. My taxes were due by XX/XX/XXXX. Franklin American Mortgage Company was to pay the taxes, which are in my escrow account. I called them on XX/XX/XXXX and spoke to a supervisor named XXXX. She told me that {$6.00} was taken from my escrow account when in fact the taxes due were {$330.00}. She said she did n't understand why the amount was n't questioned. The tax office has not received any payment on my taxes to date and the mortgage co. has not contacted them at all. I was told that by Thurs morning ( XX/XX/XXXX ) I would have an answer as to when my taxes will be paid and why they were n't paid. I called them this morning ( XX/XX/XXXX ) and was transferred to XXXX extension after holding quite awhile just to get her voicemail. That was around XXXX to XXXX. I still have not received a call from her. I had told her I did not want my name in the paper for delinquent taxes or having it sold on the courthouse square for delinquent taxes. I also had to contact them last year about paying my taxes. I need them to pay my taxes ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! 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 2016-08-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.

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 monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank.

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 — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo states that I own them XXXX buts thers is no record of it.

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 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for mortgage assistance with Wells Fargo several times over the past few year and they keep denying me saying that theirs not a 10 % change in payment if they modify it. Well of coarse their not going to be one because they are comparing a 30 year fixed payment to an I.O payment that they have me on that goes up every year. I filed a appeal in XXXX and XXXX because they were using the wrong payment to calculate my denial and when I proved through XXXX they just said well he would n't have qualified anyway. They denied me again this for the same reason but I found out that theirs a XXXX guideline that requires them to use the fully amortized rate not the I.O on I.O ARM LOANS and now their saying that it does n't apply to me because my loan is not a ARM but my loan goes up every year. They have manipulated these guidelines for years for years for their benefit. One year they even reported that my home had been foreclosed on and was a XXXX and I had people contacting me and disturbing my family. Please give me some teeth behind this fight!

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 2017-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home equity loan with Wells Fargo. Loan was due and payable XX/XX/XXXX. I started talking with Wells XX/XX/XXXX knowing I could not pay it off in XXXX. After about six months of talking they said they would be able to set me up with a payment plan. I said ok great what 's next. Wells told me I needed to make three months of trial payments to see if I could " afford '' it. I complied with their request made all the payments on time. Fast forward now to XX/XX/XXXX the loan they presented to me and both parties agreed to is still not completed. Wells Fargo now has reported me as being late and ruined my credit. They also mistakenly added a escrow account to my first mortgage and caused my payment to go up {$300.00} per month. So through this whole process Wells has crippled my credit and made my first mortgage payment go up and I still do not have a payment plan in place. I just want to get this payment plan done and my credit restored. I have lived in this house for 27 years and have never missed a payment on the first or second. Also I keep getting late notices and foreclosure threats. I always call to ask about the letters they tell me just ignore them your loan is in process and you should not be getting the letters.

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 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Auto Loan collections dept. continues to contact and harass me regarding repayment of auto loan after 7 years of payment, garnishing my Wells Fargo checking account, ignoring payment agreements made through Consumer Financial Protection Bureau, and repossession of vehicle.

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 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I went through the pre-approval process at a local jeweler to see the amount of a loan I could get approved through Wells Fargo for an engagement ring. Neither the paperwork or the jeweler ever mentioned opening an account with Wells Fargo, and I left the jewelry store that day without making a purchase and without ever speaking with Wells Fargo to open the account. About a month later, I received a credit score that mentioned I had a line of credit that had been open for about a month. While I was confused at the time, it sounds very similar to what has happened with many consumers that have been scammed by Wells Fargo. At the time, I called Wells Fargo to close the account and clear up the confusion - and even mentioned that the account was opened without my knowledge. The representative on the phone said there was nothing they could do to clear the account off of my record. I did not come to the realization until reading further into the scam that I was definitely victimized by Wells Fargo, and they did not take steps to correct the mistake and have not reached back out to 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 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XXXX XXXX, 2016 at XXXX a Treasurer of the XXXX XXXX XXXX of XXXX, MA received an email requesting the wiring of {$3600.00}. The email looked like it came from the XXXX President due to the return email address matching that of the XXXX President and the signature in the text. The email was actually a fraudulent email and the XXXX President had not sent it. 
Believing the funds were needed for a XXXX project, the Board Member went ahead and wired the money to a XXXX XXXX XXXX with an account held at Wells Fargo Bank, XXXX XXXX XXXX, XXXX, MS XXXX at XXXX on XXXX XXXX. 
Several hours after the transfer was complete, the Board Member realized that this was a fraudulent email and notified and filed a report with the XXXX Police Department. 
XXXX was already closed, so the Board Member was unable to contact them until the morning of XXXX XXXX. 
On XXXX XXXX at XXXX XXXX sent Wells Fargo a service request to let them know about the fraud. 
Wells Fargo responded at XXXX EST that the service request had been received. 
At XXXX EST on XXXX XXXX, {$3200.00} of the {$3600.00} was withdrawn in person at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX, MS . 

Wells Fargo, in communication with the Detective on the case, noted that they did not begin the process to put a hold on the account until XXXX XXXX. This is 24 hours after they were notified of the fraudulent activity. 
Additional funds were removed from the account through XXXX XXXX. Thus, the account was not put on hold on XXXX XXXX as stated by Wells Fargo. 

Wells Fargo notified XXXX that no funds were available for return on XXXX XXXX, even though the remainder of the funds, in the amount of {$450.00}, continued to be withdrawn from the account through XXXX XXXX. 

We have documentation from Wells Fargo and XXXX that supports all the above 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 2015-12-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.

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