vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes.

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.

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 2016-09-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells chg me XXXX on XXXX/XXXX/15 there is supposed to be no chg as this is a short sale. 

Weells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. 

They have yet to get a closing date on this pty.

Company public response: Company 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 adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Mortgage bank was XXXX XXXX and my loan servicer was America 's Servicing Company. I fell behind on my mortgage due to lack of employment. I then applied for a loan modification and within 5 months of the beginning of the delinquency, I was solvent again. I diligently responded to each information request and this daunting process lasted two years at which point I filed a lawsuit. The bank willfully complicated the process and gave out misinformation in order to stall the process and increase the delinquency balance in spite of the fact that I had the funds to pay the full amount of the mortgage. They refused to reinstate the payments and instead demanded the delinquent amount be paid in full. I did not have the cash to pay the full delinquency amount which quickly climbed from {$2400.00} to over {$20000.00}, because of fees that were tacked on. My lawyer ( XXXX XXXX out of XXXX, TX ) advised me to stop responding to the banks requests and let the lawsuit begin. XXXX was enthusiastic at the start of the case but soon became despondent. He intentionally filed a bond one day too late and then dropped off the map. He would not return my calls. I hired a second attorney ( XXXX XXXX of XXXX XXXX XXXX ) to continue the fight and I think they lost the case by using an argument that had already been shot down in Texas courts. Then I was advised by XXXX & XXXX to get my property out of the house soon in order to avoid the inevitable eviction ( which XXXX have facilitated the eviction ). I was evicted and homeless for 9 months while I restructured my life and was able to find an apartment. I lost everything fighting this bank that lied throughout the XXXX year modification application process, leading me to believe that I was eligible and that they were there to help. I 've documented the process on my blog page - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.

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 2015-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my Wells Fargo debit card was unfortunately stolen. Once I discovered that my card was stolen I immediately reported it to Wells Fargo. Consequently whom ever stole my card gained access to my checking and savings accounts. The fraudulent transactions that took place caused my checking and savings accounts to be over drawn. I have called Wells Fargo everyday since XX/XX/XXXX to get his issue resolved. Wells Fargo manager XXXX id XXXX, advised me that the {$400.00} that is still reflecting in my savings account had been refunded and it was my responsibility to transfer the money from my checking which was negative as well? So, they expected me to know that the credits they gave were for both accounts that I had been advised were XXXX separate accounts. How am I having to pay for something that I did not cause to Wells Fargo? This institution is ultimately stealing from me now, and I feel that I by no way should have to fund my savings account {$400.00}? The purchases and transfers that took place were all authorized my Wells Fargo but were not authorized by me. I am not paying Wells Fargo {$400.00} for something I did not cause nor did I authorize any of these transactions. I need for them to correct he problems. I feel that Wells Fargo does n't want to own up to the fact they authorized fraudlant transactions and now they will not own up to it. Wells Fargo by far the worse institution.

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 2015-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They call from different numbers up to 8 or more times a day. Their frequent calls is not going to put money in my bank account to pay them.

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 2016-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Today, XXXX XXXX, 2016, I contacted Well Fargo Home Mortgage ( my mortgage holder ) and requested to speak with the Loss Mitigation Department. XXXX ( ID : XXXX ) answered the telephone call. I verbally verified all of her requested, information ( i. e. my name ; loan number ; mailing and physical address ; and etc ... ). I then requested, to speak with the Loss Mitigation Department. But, XXXX wanted to know, if I had previously been in Bankruptcy. 
Because her questions ( about a Bankruptcy ) were out of line, I requested to " again '' speak with the Loss Mitigation Department. She ( XXXX ) " again '' refused. I " again '' requested ( via XXXX ), to speak with the Loss Mitigation Department. Again, I was asked ( by XXXX ) if I was going to answer her questions about a Bankruptcy. I then requested, to speak with XXXX 's direct Manager. She refused, then placed me on an extensive telephone HOLD! When she came back to the telephone, she wanted me to release the previously placed, " CEASE AND DESIST '' in order that she may speak to me ( via my telephone call ). I explained to her ( XXXX ), that we had already spoken and I would like to speak with her manager. She " again '' REFUSED, and began giving me ultimatums and making verbal demands. She placed me on another telephone " HOLD '', STILL NO MANAGER! I am attempting, to get assistance with our mortgage ( via Wells Fargo 's Mitigation Department ). I NEVER, spoke with a XXXX during my telephone call. I need the assistance of the CFPB in my " FAILED '' efforts. Sincerely, XXXX XXXX @ XXXX XXXX, 2016.

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 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CO

Complaint narrative:
My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On 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 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.

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 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX

Company response to consumer: Closed with explanation