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

Complaint narrative:
I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Greentree calls up to XXXX times a day every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My Husband and I have been attempting to clear up errors by Wells Fargo since we did a refinance in XXXX. Beyond that we have been applying for loan modification/loss mitigation with Wells Fargo since that time. Most recently Well Fargo denied our loan modification with a letter claiming our income was only {$10.00} ( an obvious error and mistake ). We appealed their decision and have not been contacted by an investigator named XXXX XXXX XXXX ( Wells Fargo Underwriting ). She was investigating and promised a response by XXXX/XXXX/XXXX but did not call until XXXX/XXXX/XXXX only to say that she/Wells Fargo needed more time. We believe there is substantial misconduct in dealing with us and the writings sent to us in contrast to what is told to us via telephone.

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 2016-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your 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 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Home Mortgage Company routinely delays posting my monthly mortgage payments ; often until past due so that late charges apply.

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

Complaint narrative:
Wells Fargo XX/XX/2015 took {$16000.00} from my credit line, and put in somewhere? I did not do it as I always pay every credit card in full each month and monitor the account. I had to change all of my account numbers, change all of my autopays, such as water, trash, electric, XXXX, etc, and not one answer as to who transferred that {$16000.00} and to where. It caused me hundreds of hours, on the phone on hold filing complaints, as a working mom, to deal with this and correcting all the autopays, And! I was not going to pay for interest on something I never would have done! OK, that finally got fixed. I moved to Oklahoma because my father died and I still had WF, on XX/XX/XXXX, after moving clear across the country with all of my belongings and not even having a home, they did it again! This time it was even worse, because there are not WF offices in Oklahoma, I again, spent days on the phone trying to fix this situation because it affected all of my credit and debit cards, it was the only bank I was dealing with at the time. It was a nightmare and the most stressful time of my life.

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 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a temporary modification via which the interest rate I am charged during the interest only period of my loan was more or less fixed. The interest only period will end in XXXX 2016 and the loan will become fully amortizing in XXXX 2016. Since I am permanently and totally XXXX and my income is not likely to increase I will not be able to make the fully amortizing payment beginning in XXXX 2016. I contacted Wells so that we could begin the modification process well before any potential delinquency. Unfortunately it is beyond clear, based on statements made to me by Wells ' employees, that they are either unable or unwilling to address my actual circumstances. I was expressly told yesterday that Wells would evaluate my information to see if there has been any change in circumstances since the temporary modification was made even though I am not requesting a modification for anything except the fully amortizing loan period. In effect, I am being told there is no point in my submitting any information since Wells is unwilling or unable to understand the fairly simple nature of my request which is to modify the fully amortizing loan terms scheduled, by contract, to begin in XXXX 2016. Simple math is sufficient to understand that I will NOT be able to make the fully amortizing loan payments nor do I wish to wait until I am already seriously delinquent which will happen beginning in XXXX 2016. Since first contacting Wells I have been told that I have a single point of contact and was told yesterday that I will be assigned a single point of contact. In any case what I need is to speak with someone who actually understands I am being proactive in the hopes that I can, inter XXXX, not become delinquent and not have to engage Wells Fargo in litigation to process what is, at present, a simple request. Because the nature of my XXXX involves having XXXX which has XXXX and because the XXXX any attorney from representing me in negotiations with Wells I am reaching out to the CFPB for assistance. I will also note that NONE of the " HUD counselors '' actually offer assistance and, instead, provide " workshops '' or what amounts to cheerleading neither of which constitutes any actual assistance in my case. While I realize, especially after having worked as a legal aid attorney, that most consumers do not seek assistance until they are seriously delinquent I do not believe that is prudent or in any parties ' best interests. Accordingly I am hoping that CFPB can assist me in reaching someone at Wells who, like me, sees the benefit of assisting me proactively and taking meaningful steps to ensure we do not wind up in litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. Thank you

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 2016-10-23 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Upon graduation, I had went into immediate repayment. I was unemployed at the time. I contacted Wells Fargo about the loan and they said the only thing they could do was I make a XXXX month payment before I could get a XXXX month forbearance. I had XXXX months of unemployment and then when I did finally get a job, it was part-time at minimum wage. I called and went back and forth with Wells Fargo for a couple months when it went back into repayment, unable to get a lower payment or any options for assistance. During that time, I could n't make any payments which put me behind on my loan. I convinced my boss to give me more hours and managed to scrounge up the monthly payment and made XXXX consecutive payments to keep from defaulting but I still was n't able to catch up. This resulted in many calls, almost daily, from Wells Fargo while I was at work, very early in the morning, or past my bed time. Even if I was capable of answering their calls, they would n't offer any assistance and were just demanding that I pay the full past-due amount, which I could n't do. They have also sent monthly notices about my loan being XXXX payment from charge-off. Now that I 've finally secured a full-time job this past month and can make the monthly payments without too much struggle, the last payment did n't go through for some reason. I called in the morning of the next business day, since they were closed for new years and the day after, only to find out they charged off my loan and now I have no options to rectify the situation at all. Not even giving me any business hours to rectify the payment I had tried to submit before. So now my loan is headed to default as I ca n't pay in full once it goes to the collection department.

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 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Alliant Capital Management LLC
State: LA

Complaint narrative:
i was notified the first time last week XXXX/XXXX/XXXX about a old credit card debit from XXXX I asked if he ( XXXX ) I believe he would send me an email or letter in mail regarding this and he said yes he would send email. I never received and email. today XXXX/XXXX/XXXX I get a messaged while at work to call him back so I do and he has an attitude stating I live where he can garnish my wages if I do not send him money and that he would send me another email at his expense and I told him it does not cost anything to send me an email and he starts yelling at me. I do not even have this debt on my credit report and I do not like him calling and threating me while I am working. very rude and unprofessional if this is a real debit why have n't I received anything in the mail since he stated my address?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I paid off most of the loan and my husband lost his job which put me in a bind to have to pay off all the bills so I fell behind on the loan now Continental Credit is calling my job and my Supervisor wants the calls to cease or she will get the company attorney to file a suit against them. Continental Credit in XXXX Texas needs to stop calling my job asap. I spoke with XXXX on XXXX/XXXX/15 at XXXX ( XXXX ) and asked her to cease the calls. She said that 's fine and they would n't call anymore if this continues I will sue them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is my mortgage company for my home. I have been a loyal customer for years and have never been late, until recently. I got 2 payments behind and they refused to take my payment to become current and immediately started the foreclosure procedure. I applied for a modification ( where the back payments would just go onto the balance and I could resume payments ) but they refused that too. My home is under water and is not worth the balance. Wells Fargo will not make any profit by making me homeless. I need help. I wish to stay in my home and resume payments. 

Thank you.

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 2015-07-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The collections department at Wells Fargo began calling 2 or more times per day on XXXX/17 against my wishes. The same day ( XXXX/XXXX/17 ), I spoke with collections and the re-entry team for next steps. The collections representative explained they would continue to call everyday for the remaining balance regardless of me speaking to collections and working directly with the re-entry department to handle the account. These practices carried out by the collections department are harrassment. The re-entry team stated I have 30 days to submit the necessary documents, I 've also shared this with collections, although they have this information documented in the system notating the dates I spoke with collections, re-entry, and the home preservation department.There is n't a need for collections to call everyday multiple times a day to discuss how the account is being handled.

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