vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We purchased a car at a XXXX dealership who arranged financing with Wells Fargo Dealer Services ( account XXXX ). The rate was a high one because of a previous bankruptcy. At the time of buying the car, we provided proof of insurance from XXXX XXXX ( Pol XXXX ). Shortly thereafer, we received a notice from WFDS that they needed proof of insurance and provided the website XXXX to upload proof. We did that. A month later we received a notice saying that WFDS would going to mandate insurance on our loan. We called the number listed. I presumed it was WFDS. Spoke with a representative who assured me that everything was in order and if there was a problem, they would call. No call was forthcoming. A month later, we received our WFDS loan statement. The amount of the loan was increased to cover the insurance. 

I called WFDS today ( XX/XX/XXXX ) to complain. Both the representative and his supervisor said that they could n't help and specified that a separate " division '' ( their word ) handled insurance verification. I pressed and found out that the " division '' was actually a separate company, XXXX XXXX. I pressed further and found out that this is also the company that provides the mandatory insurance. I called XXXX XXXX and they said they could n't help me because their system was down. 

I am quite suspicious about this whole arrangement. WFDS is being deceitful by calling it a " division ''. That supposed " division '' which handles insurance documentation has EVERY INCENTIVE to lose the paperwork and force the coverage on us. I did a quick Google search and found this is not uncommon. 

We provided proof of insurance at least four times : ( 1 ) At loan origination, ( 2 ) uploaded to their site, ( 3 ) called and spoke with a representative, and ( 4 ) our insurance agent submitted it. I am asking the CFPB investigate to see if this is a predatory practice being perpetrated on subprime borrowers who typically lack the resources to fight back against it.

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 non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been stonewalled twice for a loan modification. I got injured and was out for 6 months. I tried a loan mod with Wells Fargo and got denied the XXXX time due to non participation from the investor. The investor did not participate in any loan mods. The XXXX time I tried, property values went up, and was turned down as my net present value ratio went up. I have equity in my property ... no good. I tried filing chapter XXXX and case was dismissed and I am barred for filing bk for 180 days. I have a sale date coming up XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I took a car loan. Out with wells Fargo dealer srvs, in XXXX, i I 've stoped getting statements from them in XXXX still made payments then they charged me for insurance starring I had none I did have ins, in time I sent them my ins, info showing I had ins, try refused to accept charging me XXXX for in ins, i pleaded with them nothing happens them in XXXX of XXXX I fshowed XXXX.left on the loan in XXXX of XXXX they defaulted my loan showing I owed XXXX.on it which is not true.called them several times to resolve this issue no results .sent letter to attorney General of Mn they sent letters four times no reply.they wells fargo, went and put on my credit report I defaulted on my loan I never missed a payment, they stopedreporting to the credit bureaus in XXXX show I am not marking payments wi c h is false, aim still marking payments on this loan, they owe me money there not will I Mn g to accept there mistakes, I 've asked. For a audit on this loan they refuse.where can I get the help I need to stop this problem with wells Fargo Dealer seves, i feel there should be a law suit filled for there 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 2015-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a previous complaint on XXXX/XXXX/XXXX with the CFPB # XXXX regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification XXXX XXXX/XXXX/XXXX, because of our combined income of {$22000.00}. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on XXXX/XXXX/XXXX with my income being {$6900.00} per month. In a letter dated XXXX/XXXX/XXXX from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated XXXX XXXX, XXXX from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated XXXX/XXXX/XXXX Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact both the third party and myself, which is false on every level. On XXXX/XXXX/XXXX, a Notice Of Default was recorded on my property still no decision from Wells Fargo Bank on my application submitted on XXXX/XXXX/XXXX. There were numerous letters from Wells Fargo requesting more time and then a response dated XXXX/XXXX/XXXX ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of {$6900.00} there was not a significant change from the combined income of {$22000.00} which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated XXXX/XXXX/XXXX also requested additional items in order to review my application submitted on XXXX/XXXX/XXXX, this request comes 3 months after my loan was submitted to foreclosure and XXXX month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for XXXX/XXXX/XXXX, this notice I believe deterred the possible buyer as it was posted while inspections were occurring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: NE

Complaint narrative:
I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none.

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 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been charge several overdraft fees for checks that the bank did n't list on the account on the same date however posted as it was. I was told by customer services representative that if by XXXX is not posted on the account that 's the latest it could show up. In the last month this situation have happen XXXX times incurring in {$35.00} charge per transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XXXX XXXX, 2016, Wells Fargo took a direct debit from our XXXX XXXX checking account of {$1300.00}. Our regular monthly mortgage payment to Wells Fargo is {$1200.00}. Wells Fargo needs to respond to these XXXX questions : 1 ) Why did Wells Fargo take out an extra {$52.00} over and above our regular payment? 
2 ) Why was this extra amount of {$52.00} not mentioned in the Wells Fargo response of XXXX/XXXX/2016 to our complaint to the Consumer Finance Protection Bureau of XXXX XXXX, 2016? 
Please respond to these XXXX questions in a straightforward manner. Evasiveness is unprofessional.

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Recently I had received an electronic notice of an insufficient fund fee. When I logged in to manage the account I noticed that there were actually XXXX fees charged, however, after looking through the charges and when transactions had posted to my account only XXXX fee was understandably applied to the account. I called Chase and spoke with a woman by the name of XXXX XXXX who seemed to have a bad attitude so I immediately asked for a supervisor to feel more comfortable expressing my concerns as opposed to feeling like I would have to potentially argue with someone about my frustration. I then spoke with a gentleman and explained how XXXX of the charges were covered by money I transferred from another account and that literally left my account at a XXXX balance. I then received an insufficient fund fee to the account due to a valid charge that took place of XXXX causing the account to be overdrawn. I asked why XXXX fees were charged instead of XXXX and he explained that although my two smaller payments were already pending and reflected in the available balance that they take the larger transaction and apply any " available '' money in the account to that transaction first. Because of this, I was charged XXXX insufficient fees rather than just XXXX. I am so disgusted with this type of procedure. It is bad business and a way to make an already expensive fee an even greater one with each fee being XXXX dollars. I ca n't even begin to review my past transactions to see how much money Chase has received from me through these fees. I would often just pay them as I blamed myself for these fees being applied due to my own negligence. Now knowing how this process works I wonder how much it has truly cost me.

Company response to consumer: Closed with explanation