vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good morning, An employer whose fictitiously written a check in the amount of {$1900.00} asked me to work as a mystery shopper and XXXX XXXX XXXX, XXXX, as he stated that after shopping at XXXX for {$50.00}, keeping {$250.00} as payment for writing my survey, was to redeposit that XXXX money order back into my personal Wells Fargo account for the remaining balance of {$1600.00} for the next service agent 's survey. 

I contacted the initial XXXX party website at : XXXX ( XXXX XXXX of XXXX XXXX XXXX Police, XXXX, XXXX, CA ) whereby they referred me as an employee and later I informed him of this phising scam and so he took a report. I said to him {$1600.00} was redeposited into my bank account as XXXX XXXX fowllowed me with my cell phone and cash was passed onto the next service agent. At no time did I understand by the XXXX that this was a phising scam, but Wells Fargo Bank bounced a fictitious paycheck that cleared on XXXX/XXXX/2015 and then, bounced on the XXXX. By that time, the cash was already deposited into XXXX XXXX XXXX across the street and I lost out on the total of {$1900.00} for alias account holder : XXXX XXXX XXXX account no, XXXX XXXX XXXX. 

Please let me know if there 's any restitution for this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX XXXX, Ca XXXX, that included a security deposit of {$14000.00}, based on the assurance that Wells Fargo agreed to the timeline and that financing could be completed in order to not jeopardize the deposit and fulfill their responsibilities as dictated by the Truth in Lending Act. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ). This approval was made with full knowledge of the agreed timeline and consequences if it was not fulfilled. Any concerns or changes to the timing would then be the responsibility of Wells Fargo to communicate to us as dictated by sections 1026.19 ( e ) and Section 1026.19 ( f ) of the Truth in Lending Act. 
XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ). This was an inaccurate statement which placed the deposit in jeopardy as the agreed timeline was not met by WellsFargo, making them directly responsible for defect in the closing agreement as dictated in Section 1026.19 ( f ) of TILA. 
XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone '', " returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. This was a direct violation of the Truth in Lending Act as they failed to provide accurate and timely information as dictated in Section 1026.19 ( f ). 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit of {$14000.00}. This was an accurate statement as they failed to provide accurate and timely information, violating the Truth in Lending Act.

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 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX 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 2015-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to apply for a bank account at Wells Fargo the banker told me I have already a bank account with this bank and I told the I have never apply for a bank account. But she told me the account was abuse so I told her I need to go the my local police department to file a police report. spoke with the fraud department they told me they was going to sent out a affidavit. So I received it and sign it fax it back to them. After 4 days I called the fraud department they told me the claim was denial and I ask them why it was denial I they told me the address match my id the signature match from the affidavit anyone can sing something like me so I would like to get this fix ASP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, We are working on the short sale of my property. We received an approval letter on XXXX/XXXX/2016 from Wells Fargo but that buyer we had walked. We have another solid buyer with the same exact terms as our previous buyer. The only thing that is changing is the buyer 's name. This new buyer is ready to close but we need another approval issued again from Wells Fargo. This short sale lender has told us we have to go through the process again but my property is now in foreclosure with a sale date of 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 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo unilaterally closed my checking account, claiming that it is " dormant '' event though there are XXXX transactions processed through the account everymonth -1 ) deposit/transfer from an external checking account, and 2 ) withdrawalof payment for XXXX mortgage on my home, held by Wells Fargo. Wells Fargoprovided me with no notice, and cause my payment to my XXXX mortgage tobe " late '' because the payment could not be withdrawn from my now-closedaccount. When I called customer service they told me I need to talk to whoeverclosed the account, and after I repeated told them they were the ones who closedit, they transferred me to someone else, who told me I have no recourse, andwhen I asked for proof of any notice of my account closing, hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am ( with my siblingss ) the beneficiary of a trust established by my grandmother, that passes to me ( and my siblings ) upon the death of my Mother. My mother passed away in XXXX 2015, so we contacted Wells Fargo, the administrator of the trust. We provided all the requested information and documents in order to process the distribution of the funds from the trust in XXXX. It has now been 4 months, and the funds still have not been transferred as we requested. When we call Wells Fargo we are told that it is " in process ''. There has been no explanation for this long delay, and we have not been told that there is any problem. There has been no communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Just thought you should know .when they gave me the trial payments. We couldnot do the payment plan because it was not affordable with one income. They say that they donot use my uneployment. When I lost my job i was loosing four XXXX a week.XXXX dollars a month with taxes taken out. When no overtime. When I filed the appeal they told me that they denied the appeal. I have nothing in writing from them stating why.They are still not helping us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

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