vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid an extra mortgage payment towards the next month in addition to the current month so I would always be one month paid in advance. Every year when a escrow adjustment is made to my mortgage payment that extra payment disappears and I am sent bills for the current month. I specifically called wells fargo bank and told them I did not want to put the payment towards the principal but to the future months payment. They put the payment against the principle so I am NOT paid a month in advance after all. Then to make matters worse I get XXXX stratements per month confusing me even more. They take advantage of XXXX and hope they can not keep up with the billing and duplicate billing.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 2016-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction.

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 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
After losing my job early last year, I entered Wells Fargo 's Unemployment Forbearance program, which temporarily reduced the amount of my monthly mortgage payments. I understood from Wells Fargo that during participation in the program, " even though your monthly plan payments are lower than your regular mortgage payment, the difference in the payment amount will accrue and become due at a later date. '' Wells Fargo claimed that " a forbearance plan may initially have a negative impact on your credit score, but it may be less negative than a series of late payments because you have made official arrangements with us ''. ( XXXX ). 

In point of fact, my credit score has been decimated, because Wells Fargo reported to the credit agencies that my payments have been late since XX/XX/XXXX But I never once made a late payment while in the program. In fact, payments were typically made before their due dates on the first of the month. Prior to my unemployment, mortgage payments were deducted automatically from the checking account I own jointly with my husband, and so therefore were never late. 

When I disputed the inaccuracy of their reporting, and asked that they correct the credit score they ruined, Wells Fargo insisted that they would not, since they claim that they reported my payments accurately, and therefore " determined that your account was handled appropriately and no adjustments are needed ... During that period of time ( XX/XX/XXXX to XX/XX/XXXX ), we will report to the credit agencies that you are paying your mortgage under a 'partial payment agreement ' in addition to the monthly contractual due date. '' What is not included here, what they neglected to tell me, but an official at TransUnion informed me, is that they reported the accumulated difference between my reduced payments under the program and the regular payments as " past due. '' This is what caused my credit rating to plummet to an F, despite a lifetime of good credit scores, and my never having missed a mortgage payment in 30 years of owning homes. 

If Wells Fargo had advised me accurately and honestly that entering into this program, which was meant to be a help, would result in the utter loss of my good credit score, I would have refused to participate. I filed XXXX disputes with Wells Fargo to no avail. I 'm still unemployed. Paying my mortgage up to now, including the accrued amount of {$24000.00}, has completely wiped out my retirement account. My house is up for sale as I intend to buy a cheaper house out-of-state and hopefully eliminate mortgage payments during my retirement. No one at Wells Fargo ever advised me that entering into the forbearance program would have such a detrimental impact on my credit ( and my husband 's since we own our home jointly ).

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 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On friday XXXX XXXX 2016 I went to wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a account with wells fargo checking and saving and I call early moring services and for some reason I can not get to them it doesnt take me to speak to a representative to find out about opening a account with wells fargo that have been declined to my request.. 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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.

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 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )

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 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage

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 2016-07-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2015-04-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.

Company response to consumer: Closed with explanation