vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past year, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

They first denied me claiming I was missing document. Then they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2015, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to the fact I am of XXXX XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information and generally making it very clear that they had no interest in helping me for 2 years now.

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 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XXXX I did a balance transfer from the XXXX to my Wells Fargo credit card. As it turns out Wells Fargo left out a number XXXX from my account number. XXXX did not send an error message which is protocol whenever this happens. Consequently a check was sent and evidently did not get cashed. I 've been charged interest on each of these cards. They 've known about the mistake since XXXX and I 've spent countless hours on the phone trying to correct this. Wells Fargo sent me an affidavit and gave me a number of option s, none of which would describe the present fiasco. I had to promise that I would not sue them. Both banks were in error and it 's not in my nature to sue. I did sigh this and still nothing has been done. I just want this straightened out. I do n't want to pay any penalties or any interest I would not have otherwise occurred. Normally I do a balance transfer right when the interest rate goes up. I usually do n't end up paying for extra interest because i transfer the money back because of specials various credit cards have. The XXXX tellers gave me false dates about this when I inquired. I ended up paying for two or three months of high interests. I then did the balance transfer that never was recorded. Please help if you are able

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently visited XXXX shopping to buy a new home and was told that I had to get a loan through their " preferred lender '', Wells Fargo, to receive the builder incentive of 1 % of the purchase price. I later found out that the builder supposedly has a " marketing arrangement '' with Wells Fargo, which sounds like a form of " kick back ''. I have friends that work for Wells Fargo who explained to me that loan officers on the XXXX XXXX accounts have special treatment not only by the builder but within Wells Fargo and makes much more in commission than other loan officers. They supposed get favorable treatment starting from pricing, to processing, underwriting, appraisal, etc. It does n't seem like an ethical arrangement to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have been called by Wachovia dealers services everyday for the past three ( 3 ) weeks. I have a vehicle loan with Wells Fargo Dealer Services, my payment are approximately {$27000.00} per month, I have been payming {$300.00} permonth for over a year now and they are still saying that payments are late and the I am accrueing late charge, they are also charging me for insurance at {$32.00} per month because they say I do not have coverage on my vehicle. My vehicle is covered with full coverage thru XXXX, and it has been proven them to them at least twice. They refuse to remove monthly charge for the insurance and they refuse to even acknowledge that my payments are not only on time but over the amount necessary. I have just received a call from them again, and I will probably get another one this evening, their phone number is XXXX XXXX. Could you please do something to make them stop the everyday calls and to research their records to see that they are in the wrong not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
At XXXX point in my life, I was married. My spouse and I got a divorce that finalized in XXXX. While married, my spouse and I had a joint bank account with Wachovia ( Which is now a XXXX Account ). The account was originally started by myself, in XXXX, but I added her to the account after marriage in case of emergencies. After our divorce, Wells Fargo would not allow either myself or my ex-wife off of the account without both of us being present. I asked about it in person, she later requested in after Wells Fargo almost deposited her pay check into my bank account. I was told that we both had to be present, which seems impossible since we live over XXXX miles apart now. 

A couple of days ago, my ex-wife made some bank transactions to pay bills, and wells fargo took the money from my bank account. I had spoken with my ex-wife about it, I am not sure how honest she is being, but she claimed that she tried to leave the bank account, but was well aware that we were still joined on the account ( Despite her last name being completely different now ), and that she tried to leave the account after they almost deposited her paycheck into my account, but they would not allow her to do so. 

The bank is not allowing me to dispute the transaction at all, despite the fact that my ex wife has a completely different last name, we are n't married anymore, and it appears as even if I continue to bank with them ( Which is unlikely to happen ) that we will always be automatically linked to the original account in some way shape or form. As a result, I feel as though they are trapping me, and or refusing to resolve a simple problem.

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 2016-10-28 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: PA

Complaint narrative:
Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.

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 2015-08-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.

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 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We have been trying to do a short sale for nearly 2 years and Wells Fargo keeps making us start again and send the same paperwork over and over again! They have received XXXX buyers to which they refuse the offer each time setting an BPO saying the current has expired. 
We have reached out to the executive office and they keep appointing ineffective staff that do not 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 2015-07-15 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was contacted by phone in the XXXX, XXXX area ( phone number : XXXX ) by someone claiming to be a Wells Fargo representative regarding collecting a debt. They immediately asked my for my credit card number, so I hung up.

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 2016-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hi, In XXXX XXXX, I opened Wells Fargo Bank Account along with Wells Fargo SEP-IRA Account. They offered XXXX free trades per year if we maintained a balance of XXXX or more each year. They called it PMA Package. Not all accounts get this benefit, only PMA linked accounts get this benefit. Everything was going well until 2 months ago. Around XXXX XXXX, I received a letter saying my brokerage was not linked to the PMA Package anymore and if I do not take action in the next 30 days, I will be losing the privileges associated to PMA Package. I called the Wells Fargo Customer Service. I was transferred to XXXX different teams, from customer service to premier banking team to Online banking team to PMA team. All XXXX teams told that everything looked good and they were not sure why I received that letter. One person said my account was dormant and that could be the reason why I received this letter. She re-activated my account and said, I am good for now. On XXXX XXXX, I received another letter saying I lost my PMA privilege and my account was converted to an Everyday Account. 
I called Wells Fargo again and they said there is nothing they could do. PMA Privilege is a grand-fathered account and they can not assign us to that account anymore. I asked them, that I called a month ago and talked to XXXX different people. He also admitted that they had notes that I called in XXXX XXXX but he says, he wasnt sure why the issue was not addressed and there is nothing he could do now. 
He said my account was delinked to PMA Package. I asked him, what went different, why did it work for the last 6 years and what happened suddenly and he says, he does not have visibility into that. 
I usually use the XXXX free trades, which translates to about {$900.00} worth of benefit me every year. I hold high IRA balances with them I feel that they are conducting a fraudulent practice. They send a letter that they are deactivating our PMA package if no action is taken, we call them duly on time and they say everything is looking good and we received the letter by accident and a month later, they really take away our privileges

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 2016-01-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/16 2. I made a payment of {$32.00} on XXXX/XXXX/16 which they did n't apply to my card 3. I made a payment of {$610.00} on XXXX/XXXX/16 which they did n't apply to my card 4. I made a payment of {$650.00} on XXXX/XXXX/16 which they did n't apply to my card 5. I made a payment of {$1000.00} on XXXX/XXXX/16 which they did n't apply to my card 6. I was then charged a {$39.00} late payment fee on that {$25.00} minimum payment This makes no sense to me no matter how they try to explain it. Basically my payments were too early or too late even though they were all paid in the same month. I paid {$2300.00} towards my credit card balance in the month of XXXX when I only had a {$25.00} minimum payment due, but somehow they were able to charge me a {$39.00} late fee.

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