vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

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 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a home equity line XXXX mortgage and at the end of 5 year I was hit with a balloon payment which I was not aware of when I applied and was not reviewed with me at signing.

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 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.

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 2016-03-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Peter Roberts & Associates, Inc.
State: NH

Complaint narrative:
I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, 2016, loan officer at Wells Fargo ( XXXX XXXX ) sent me a text message, asking me to email all of our sensitive financial information ( 2 years taxes XXXX 's, XXXX 's, 2 months bank statements, paystubs, etc. ) to his personal email address to start the application process for a refinance of our mortgage. Come to find out 6 days later that the email address he asked me to send them to was the wrong email address, meaning that a total stranger now had all of our financial information. After we received conditional approval, I paid {$800.00} for the appraisal on our home, which finally took place on XXXX/XXXX/16. On XXXX XXXX, I was sent a loan estimate to approve before closing. I noticed that there was a XXXX % penalty fee added to the loan amount because the loan rate had expired ( which had absolutely nothing to do with us ). We have responded immediately to all requests for documents, and the reason for the delays have 100 % been on the shoulders of our loan officer and Wells Fargo. We are now going on 5 months for our refinance, and we are sick of the excuses for the delay, and, obviously, I am very concerned about our sensitive financial documents being in the hands of a total stranger. I filed a formal complaint with Wells Fargo Mortgage customer service 3 weeks ago, and they will no longer return my calls. I have attached a screen shot of the text where XXXX XXXX sent me the incorrect email address, then sent another text 6 days later apologizing, and sending me his correct email address. By this time, the damage was already done.

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 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My son stole checks from us ( Wells Fargo Checking Account ) and cashed them into his Wells Fargo Checking account. The checks were NOT SIGNED and the " To '' Field was NOT FILLED OUT. He deposited them at an Wells Fargo ATM. A total of XXXX checks for a total amount of {$4600.00} over a period of over a months were cashed. Wells Fargo did not flag or return any of these checks despite the obvious deficiencies ( see attached file for a copy of the checks ). When I talked to Wells Fargo about this, they said that the ATM is just a machine and can not verify checks, that there are too many checks cashed every day at ATM 's for Wells Fargo to verify them and that it is up to the account owner to catch any deficiencies. We also field a fraud claim with Wells Fargo, which was denied based on the fact that we are signers on both accounts ( our and as parents on the teen checking account ). 
I understand that my son 's action are my responsibility and I agree with the reasoning for denying the fraud claim - after all, if the bank tried to recover the money from him, it would have to come from us since he does n't have any ... However, I have a serious issue with a bank shrugging off the responsibility for reviewing checks. If they chose to delegate check acceptance to a machine ( ATM ), they need to put the same controls in place that they have at the counter. No teller would have accepted a check without a signature, a check without a " to '' field, a check without a date or a check where the number and word amount does not match - yet for an ATM to accept them and no-one reviewing them afterwards is supposed to be acceptable? Our son tried writing several small checks first and when they went through the system without raising any flags, he followed with more and bigger checks. If the bank had caught the clearly incomplete checks within 5-10 business days, we would have been alerted and could have stopped it right then. This would have limited our losses to {$750.00} and would have meant a misdemeanor charge for our son. Because the bank continued to honor these checks with no review whatsoever, he continued to write them and our losses went up to {$4600.00} before we caught it on our bank statement and our son now faces felony charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX my email is XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
We applied for a modification and were told by phone we were removed from review due to " affordability. '' But no additional information was provided verbally or in writing. This occurred XXXX 2015 Wells Fargo Home Mortgage Services. We then went to a housing counselor who submitted a second request for review in early XXXX. We then received a letter stating no changes were indicated sufficient to warrant a review and that no review would occur. Our counselor called the servicer and was told we should have received at XXXX page document detailing the reasons for decline. We did not, but requested it be resent. At that time, XXXX XXXX, 2015 we were told to contact the " Re-entry '' department and be screened for possible reopening or our request. During that conversation we were told that the payment was less than 31 % of our gross monthly income, but that our fixed social security income does not match that shown by the bank. They tried to explain that the income is grossed up because we have no tax liability. This is unfair and since we never see any additional money as a result of this, losing our home over imaginary money should not be possible. We were denied a modification, not given a reason, and when pressed the reasons were not accurate. Our monthly income is XXXX, our house payment is XXXX and this does exceed the 31 % ratio the program is based on. We should be reviewed again and the actual income received utilized to make this determination. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga 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 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo failed to mention that there was a balloon note in my mortgage in XXXX. When I did the modification in XXXX I again only signed one page and sent it back not seeing a full disclosure. I received a letter in XX/XX/XXXX stating they failed to include, in a written document, a reminder of balloon note. This was my first indication of it and I had no previous knowledge about it. I believe I was taken advantage of as a senior citizen. I wrote letters and called the Presidents office. I received a letter stating they would investigate. 
In XX/XX/XXXX, I went to the Wells Fargo Mortgage Center in XXXX California to retain a full copy of my loan papers and check with what I had been previously given. In those documents I did not receive a truth in lending disclosure or pages 16-19 & page 22 were not in my papers or copies I received initally at Wells Fargo Home Mortgage. And I realized they had deceived me in this process. I 've been paying mortgage but with the outrages balloon payment and outrages rate I am at risk of foreclosure, although my loan is up to date.

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