vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo did XXXX unauthorized credit inquiries of our credit reports. We have emailed and called to have this corrected and they have not corrected the problem. The employees involved are XXXX XXXX, XXXX XXXX and 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 2016-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We have an adjustable rate mortgage that is serviced by Wells Fargo, that is owned by XXXX XXXX, that is not eligible for the HARP program. It was sold to XXXX XXXX during the time of the banking industries questionable tactics causing the banking " crisis '' in 2008. While the FED has not increased interest rates and mortgage rates are in fact going down still, Wells Fargo has increased our interest rate. We are not behind in payments but it is difficult to afford this rate increase every 6 months. We have been contacted by loan officers from Wells Fargo stating that they can convert the mortgage, we go through all of the paperwork required, for them to tell us that since they only service the mortgage they can not help us. We have tried this several times with different loan officers at Wells Fargo. We are at least {$45000.00} underwater in our house due to the housing crisis with little hope of the value of our home going up to what our mortgage is. We are not behind on our mortgage, we just want some assistance to get out from this horrible mortgage for a home that will never be worth what we paid or what we can sell it for. We are XXXX and would like to retire in a few years but will not be able to retire while we have this mortgage. We do n't want to have to walk away from our home either, but if retirement is in our future that may be what we have to do. No one at Wells Fargo is willing to assist us with our situation. We have tried to refinance the amount but no lender will give us a mortgage for the amount of our current one since the value of the house is so low. My husband is a veteran and we ca n't even get a VA Loan which he qualifies for because of the value. XXXX is still in bankruptcy and will be forever considering the case is constantly being continued.

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 2015-10-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To be clear ... the is a NEW complaint against Wells Fargo. Wells Fargo has not applied my last XXXX mortgage payments in the amount of {$640.00} each ( XX/XX/XXXX and XXXX, 2015 ), made timely, to my account. I have been getting collection calls at home and at work in addition to letters demanding that I make the payments even though I have sent the payments in. This is making me so nervous and scared that after over XXXX years of on-time payments, Wells Fargo may report me delinquent and ruin my credit due to their incompetence and errors. The reason they give for not applying the payments is because an erroneous escrow account is still open on my account and until the escrow account is satisfied, they will not apply my mortgage payments. This was the original complaint against them that has not been resolved as yet ( please refer to complaint # XXXX ). I do n't know what to do. I was instructed by Wells Fargo NOT to pay my XX/XX/XXXX taxes since e they erroneously paid them and are still working on the file as to why they paid the taxes again and why the escrow account was not removed after it balanced out to XXXX liability on my part. I apologize if this is n't making complete sense but I am so frustrated and scared about this and feel powerless to control what is happening. 

Your assistance is so greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We had a loan on a piece of property on the Florida XXXX XXXX with Wachovia. Wells Fargo bought Wachovia, so the " lot '' loan transferred to them. After the real estate market crashed, the loan was up for renewal/refinancing in 2012. Obviously, it was upside down. We initiated contact with Wells Fargo on refinancing and they insisted we come up with $ XXXX and they told us they were going to increase the interest rate to 6+ percent ( rates were 3 to 4 % at the time ). We had perfect credit, with scores at or above XXXX. We explained that we were happy to continue paying on the loan but could not come up with the $ XXXX cash they needed. " XXXX '' informed us if we just did n't pay for 60 days then the loan would go to a different committee that would be more flexible. We followed his advice. At 60 days, after many phone calls initiated by us, we finally reached a lawyer that said they were about to initiate foreclosure proceedings. She was surprised to hear we were still willing to make ( full ) payments and had informed Wells Fargo of this. We explained everything we had been discussing with XXXX and she informed us he was on leave. She advised we could continue to make payments at 0 % interest, no foreclosure, and they would just take the loan " off-ledger. '' Although we had never heard the term " off-ledger '' we agreed. Since that time, for over 4 years, we have made every single payment. However, our credit report shows as if we have not made a single payment for 4 years and looks the same as if it is foreclosed. We have written letters -- to no avail.

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 2015-08-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
There was fraud on my wells fargo secured credit card. I disputed the charge, wells contacted me and and we began the dispute resolution process. I spoke with the dispute resolution center several times. They assured me during this process I would not be debited the amount in dispute. On XXXX XXXX they suddenly closed all my accounts without warning and froze my account. I had asked if such an action would be taken during my conversations with the dispute team and was assured it would not. I now have no access to my funds and no other bank account as I was not prepared for such an aggressive and seemingly illegal maneuver.

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 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.

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 2016-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.

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 2016-09-26 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over several years of service, Wells Fargo routinely added service fees to the " youth accounts '' of my children, even though these types of accounts are supposed to be free of charge while the youth account holder is under the age of XXXX, according to Wells Fargo advertisements and service agreements. On several occasions, I went to the back to have them reverse the charges. After a period of time, service charges were added to the youth account again and when the charges depleted the account, it was closed by the bank. When I called the service line for restitution, they put me on hold for 30 minutes and told me I needed to deal with the branch office. The branch office then told me I needed to call the service line. Since the account was removed from my online banking profile I can not access the information. I understand now from the news of Wells Fargo banking practices that this was part of a scheme and not an accident on the part of the banking software as they have tried to tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct 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 monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank MasterCard upon reissuing credit card, changed my name on the new card without my authorization. The name on the current card is not mine rendering the card useless. After months of asking the bank ( staff, local bank mamager, finally CEO ) to correct the error back to my name, they continue to require that I submit a written change of name authorization request which I refuse to do as it sets a dangerous precedent. The bank refuses to admit their error and has, so far, refused to either provide me with a copy of a name change authorization that erroneously changed the name on my card or to correct the name back. I 'm at the end of my rope and prepared to persue legal action against bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Case # XXXX, XXXX XXXX, Wells Fargo Loan # XXXX Foreclosure Sale Date XXXX, I am working with loan modification with the Wells Fargo Home Mortgage Foreclosure Dept. I am trying to fix House Title issue and that is taking time. 
but I can afford reasonable mortgage with me & my family income. I like to request to send complaint letter to Wells Fargo to stop Foreclosure Sale date and work with Loan 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 2016-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When we requested a payoff on our home equity mortgage with Wells Fargo we were astounded to hear they wanted {$2600.00}. over and above the amount that was due even though our most recent statement showed a XXXX amount due after the previous months statement. We had not missed a payment on this loan in the 10 years we had this loan which was originated thru XXXX which was acquired by Wells Fargo. This amount represents over 3 monthly payments which they simply can not justify according to the detailed payment records that we have. 
This demand came as we were trying to close the sale of our home and would have derailed our sale if we did not pay up. In short we were held hostage by Wells Fargo and got nowhere with them as we were handed off to many representatives who only gave us generalities and no specifics about our detailed payment history and why we should owe them this amount of money. We want this money refunded and in light of the widespread fraud and financial irregularities recently uncovered at Wells Fargo would like this complaint fully investigated and each months payment verified that it actually was credited against my loan and not misappropriated

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