vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been working with Wells Fargo for months trying to get a Deed in Lieu of foreclosure recorded with the County of XXXX. The Deed in Lieu was approved in XXXX 2015. As of this date, XXXX XXXX it has not been recorded with the county. When we contacted Wells Fargo in XXXX, they admitted that the Deed in Lieu had not been recorded and it was their fault. They said a Re-executed Grant Deed would be recorded on XXXX XXXX, 2015. That has not happened. When I spoke with the County, they said that they record things as soon as they get them. It is instantaneous. I have had several follow-up calls to Well Fargo in XXXX, and they can not tell me what is going on. They will not provide the name of the attorney who supposedly re-excuted the Grant Deed. Meanwhile, since the house is still in our name we have to keep paying the $ XXXX county utility bills every two months. If we stop paying, they can place a lien on our current 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 monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 2016-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL

Complaint narrative:
I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was working on a loan modification with my lender ASC Wells Fargo is the servicer. I was told the modification review was halted for XXXX different reasons. The first reason was missing paperwork. The required paperwork was submitted but in fact the home preservation specialist was reassigned and my paperwork was lost during the transition. Second reason I was given and a very different one was that the value of my home was in the XXXX range and therefore a modification or principle reduction was not possible. The comps the lender used were comps outside of my neighbor hood and the appraisers were located in cities XXXX miles away. The appraisers did not look at the recent solds on my street which are in the XXXX range. I sent the recent sales ( XXXX range ) in my neighborhood info to ASC. The information I provided with the accurate home value info was forwarded to a loan specialists with Wells Fargo. I received a letter that they were reviewing and would get back to me. The review was to be completed by XX/XX/XXXX. That date passed and I did not hear back from Wells Fargo. When I called to inquire the loan specialist assured me the denial for loan modification had nothing to do with the inflated appraised value of my home. Within a week a sale date was set for my home and no written communication came from Wells as promised. It was all verbel. I contacted XXXX XXXX the Wells loan specialist to inquire as to why I had not received in writing the reply to my request for further review. It was suppose to be received XX/XX/XXXX. See attached letter. When I spoke with XXXX I asked what the price would be for my home at sheriff sale and she indicated it would be in the XXXX range the true value of my home based on recent sales. Essentially Wells denied a modification this time because their appraisers valued my home in the XXXX range when in fact the value is in the XXXX range as confirmed by XXXX XXXX and that is the price it will be sold at sheriffs sale. How can a lender be so far off on determining market value of a home? Why would slender rather foreclose on a property than do a principle reduction and keep an owner of 27 years in their home and at the same time keep the neighborhood from decline. My complaint is two fold. I have been given multiple reason for denying a loan modification and the lender Is responsible for using inaccurate comps to value my property. Inexcusable for a lender. I have yet to get a sherries notice. I found out about the sale date in public records. I thought I was to be given 30 days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? Thank you

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 2016-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is our home mortgage lender. For six years, I have never been late with our monthly payment, and I have always paid the mortgage online through the Wells Fargo Mortgage Bill Pay. The payment has always been debited from our XXXX XXXX checking account ; I have not added any additional accounts from which I could draw for the mortgage payment. I made our XX/XX/XXXX payment on the XXXX of the month, assuming that it would be debited from the XXXX XXXX account. The payment never posted on the XXXX XXXX account. I then received a " Notice of Non-Sufficient Funds '' from my XXXX XXXX account ( a Wells Fargo account ) and discovered that an attempt was made to debit this account for the XX/XX/XXXX mortgage, even though I did not data-input this account information with Wells Fargo Bill Pay and did not approve of its use. I have tried to resolve this issue with Wells Fargo Mortgage, was told that I must have approved use of this second account ( I did not! ) and then was told that the debit process with the XXXX account would have to go through two more times before it could go through my XXXX XXXX account, resulting in a {$29.00} NSF fee for each time a posting is attempted. All I want is a ) to have the {$29.00} NSF removed ; b ) debit my XXXX XXXX account for the XX/XX/XXXX payment without incurring a late fee. It seems an easy " fix '' but Wells Fargo insists on passing this mortgage payment through XXXX two more times! I went through XXXX different representatives and XXXX managers until I hit a dead-end with an executive 's voicemail. We have had run-ins with Wells Fargo before and I am afraid that this will lead to some premature foreclosure attempt which would be completely unwarranted! Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust 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 2015-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Starting XX/XX/2016 there was over {$2000.00} missing from my account according to my statements and have not been able to reconcile my account since then. Please send a FAX number so I can FAX my supporting bank statements.

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 2015-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. Wells Fargo has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by reporting this account recently went into a derogatory status XX/XX/XXXX, ( date of Chapter XXXX Bankruptcy filing ), and XX/XX/XXXX. The DOFD ( Date Of First Delinquency ) on this account is XXXX XXXX. This account tradeline meets criteria to be removed from credit file and should no longer be reported to the CRAs, as it has been XXXX years since DOFD. Additionally, this account was included in Chapter XXXX Bankruptcy XXXX years after DOFD, discharged in XXXX XXXX yet Wells Fargo placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by Wells Fargo of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( Wells Fargo ) is providing inaccurate data to CRAs, per Experian, Wells Fargo validated in XXXX XXXX that the account DOFD is XX/XX/XXXX which is false ( official Wells Fargo Account History Report and XXXX official Wells Fargo letters dating back to XXXX are attached ). Wells Fargo also continues to update the status of this delinquency monthly on XXXX and XXXX credit files by re-aging the " last reported '' date, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to XXXX years from each update which has been occurring monthly since I filed disputes with the CRAs. The TRUE DOFD for this account is XXXX, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/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 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In regards to the property located at XXXX XXXX XXXX XXXX Ca. XXXX Wells Fargo Bank : The property is being rehab after a fire destroyed it XXXX %. I am trying to complete the final stages of XXXX out of my own pocket. I have fully reinstated the loan twice, the last time in XXXX XXXX for approximately {$16000.00} all this in effort to sell the home. Wells Fargo has done nothing to assist in this process, in fact in XXXX XXXX, Wells Fargo Agent 's came to the subject property and kicked in the doors thereby destroying the door frames and breaking newly installed windows under the guise of inspecting the property. I filed a claim in XXXX XXXX for the damage Wells Fargo caused, however, I repaired the property once again out of my own pocket, and forward the insurance of {$4700.00} to Wells Fargo with specific instructions to apply the funds to the mortgage payments. Wells Fargo refused and instead filed a Notice of Default with XXXX XXXX XXXX T.S. # XXXX as the Trustee. However, when I reinstated the loan in XXXX XXXX, XXXX XXXX XXXX XXXX was my Trust Deed, I have never received any Notice of a Substitution of Trustee, moreover, Wells Fargo has not disclosed where the aforementioned {$47000.00} is being held, nor will Wells Fargo provide a statement about the amount filed on the Notice of Default. The property was up for sale however, because of circumstances which Wells Fargo contributed to, it had to be pulled. Wells Fargo has not provided a single point of contact, every time I telephone I get a new person, I am told that someone in the executive office is working on the loan, however, I have never spoke with them, additionally, they are not equipped or work in the capacity of a point of contact as prescribed by the Attorney General of California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
I received a call earlier this year stating XXXX Loan had provided a loan to me, using only my social security number and address and at 360 % interest. I told them it was fraudulent and filed a police report. I 've now received a call from a collections agency, Alliant Capital Management, stating this is due and I have 30 days to respond. I believe this is all a scam where the collections agency is intent on willing a default claim in court they hope I do n't show up for. I am working on getting an attorney to assist but believe this is criminal. Alliant Capital Management was fined and shut down in XXXX for phantom debt scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Comment : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE TWICE TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX COUNTY, LOST THEIR TRUSTEE RIGHTS TO XXXX BANK ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESSS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA SUBSTITUTION TRUSTEE. NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX XXXX BALANCE SHEET 2-XXXX 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE XXXX FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIEL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE ,9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA,11-VIOLATION UNDER B & P CODE 17200 ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XXXX & XXXX 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE.TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRADULANT TRANSACTION.13-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, XXXX & XXXX .TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT : .I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX

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