vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 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: MI

Complaint narrative:
Upon graduating, I notified Wells Fargo to initiate repayment. {$55000.00} in private student loans became over {$75000.00} instantly as they added interest all the way back to day one. I did not know that this was going to happen. My payments between private and federal loans are {$1200.00} per month. I earned a XXXX degree in XXXX and bring home $ XXXX- {$800.00} per week. I can not afford to support myself in these circumstances.

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 2015-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am hoping to get some guidance on this matter. I have owned my property since XXXX XXXX. In XXXX, I got married and in XXXX XXXX, my husband purchased a property without me. I contacted Wells Fargo on a loan modification and was approved. I started making the payments during the trial period as they requested and completed the trial period. But now they are asking to change the terms of the agreement because they want to make my husband a part of the loan modification on the Home Equity Loan. Wells Fargo is not the primary loan holder on my mortgage, XXXX XXXX XXXX is and I have had no issues with them. I am still making payments on my primary account with XXXX XXXX XXXX and the account with Wells Fargo is a Home Equity. They would not provide me any Florida Statue that states that my husband has to now be on the Home Equity. I just want to make sure that they are not trying to take advantage of my vulnerable state in needing assistance with reducing my mortgage. They also want to give me a rate that fluctuates and I am not sure if that is legal. Please assist if possible. Thank you in advance. I have attached documents such as my marriage license which shows what year I got married. I also attached a copy from the XXXX County Property Appraisers Office that shows when I purchased the property and that my name is the only name on the property. My bank statements reflect the amount that I have been paying since the loan up until the trial period when I agreed with Wells Fargo to pay the reduced loan modification amount and the terms of the agreement would be satisfied and my loan reduction would remain as long as I made the payments in the trial period. I have never been late with payments during the trial period and the reason that I needed the loan modification is because I no longer have the income I once had when the loan was originally given. Again, thank you in advance for any assistance you can provide. I just do n't want the bank taking advantage of me or my husband.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Home Modification from Chase who is our servicer and XXXX XXXX was the investor last XXXX XXXX. We were approved and they sent us the paperwork saying that there will be a 3 months trial period starting XXXX XXXX, XXXX to XXXX XXXX, XXXX and after that will send the final documentation. After paying the XXXX, XXXX, they are giving us the run around as if they do n't know when will the final documents will be sent. They do not respond to our calls, they even changed our relationship manager. Finally, the new manager assured us that documents will be sent and the payment for XXXX is waived. The promised date came XXXX, XXXX and still documents are not received. Once again, I called again the relationship manager and was told that they did not know when the documents would be sent out and to keep paying the trial amount in XXXX. He even do n't know when and just keep on paying. 

I already had a bad experience with Chase in the year XXXX. Please let me know how we finish the modification as promised by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and my husband 's name is XXXX XXXX. We are writing to you to explain the details as best as possible for the mess of mortgage loan we currently have with the Servicer American Servicing Company. We took this loan out in XXXX and refinance it in XXXX not knowing the bad/predatory mortgage we were entering into. We entered into an adjustable rate mortgage in which payment doubled from XXXX to XXXX per month in the third month, but that really was n't the issue at first until my income was gone and we solely relied on XXXX income my husbands. I start falling behind on my mortgage and It took roughly 3 years from start to beginning for the mortgage company to make a decision and finally give us a loan modification. Now because of the amount of time it took the mortgage company to make a decision we are paying for a mortgage that is XXXX underwater. The unpaid principal amount is XXXX and the value of the property is roughly XXXX. We were sending documents after documents and speaking to a representative in that time span, but they would not make a decision. At XXXX point they gave us a trial modification payment plan in which we paid as we should of, but they ended denying us and putting us back to apply for a modification. I would like for the lender to consider us for a principal reduction since I truly believe the arrears with have not been as high if the Servicer would had made a decision for a loan modification. It took them from XXXX to XXXX to finally approved me for a modification.

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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement.

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: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.

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