vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Mortgage with Wells Fargo Bank in XXXX for my home. Had to file ch XXXX bankruptcy on XXXX XXXX following a nasty divorce in XXXX. I completed the intent to re-affirm on my mortgage with my attorney and sent to the judge as well as to WF. Judge signed off on everything XXXX XXXX ; told everything was fine. XXXX XXXX loan officer from WF contacted me to refinance my mortgage ; completed paperwork and was stopped at underwriters dept stating that re-affirmation paperwork had not been completed/accepted and loan was discharged. After multiple conversations with the bankruptcy dept at WF and my attorney - no resolution was made. Filed a claim w/Attorney General 's office in XXXX against WF. Filed motion to re-open bankruptcy case requesting WF to lift the stay and report payments. Motion to re-open bankruptcy case was granted and on XXXX XXXX, XXXX appeared in front of the judge. Judge granted motion asking WF to lift stay and report all payments ( WF has not reported payments since XXXX XXXX XXXX as I have not missed any payments ( I have records of each pymt ). I can not refinance my mortgage ( to get it out of WF hands ) as my credit score is too low and with a mortgage accounting for more than 78 % of credit score ... I need WF to report my payments. WF has managed my escrow account this entire time - paying my homeowners/property taxes. I am being denied on loan request for my kids ' college parent plus loans, denied for auto loans ( unless I want to pay a ridiculous interest rate XXXX. My attorney believes that I have a lawsuit against WF, however I do not have the funds for this. I am just looking for some help to get this resolved - I have been fighting with this stupid bank ( HORRIBLE CUSTOMER SERVICE ) since XXXX. Any help with this matter would be greatly appreciated. I will attach all documentation ... please advise if you need additional documentation to proceed. Thanks Much!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Through Wells Fargo Mortgage we applied for a pre-qualification letter to get a mortgage for {$35000.00}. on a conventional loan for investment. We have all the monies in a Chase account for the 20 % down payment and Closing. They have approved our income, but state that some of the monies are going into our Wells Fargo personal account from our Wells Fargo business account and this was a problem for them and want me to liquidate {$17000.00}. in funds from a retirement account which would involve up to 30 % in taxes penalties and fees. An appraisal was done already and I was not advised of any problems prior to spending the money for the appraisal. We also have plane tickets that are not refundable. The money for the down payment and closing costs for this purchase came from the sale of o condominium in XX/XX/XXXX and sale of a house ( financed by Wells Fargo ) in XX/XX/XXXX lessoning my monthly payments by over {$2000.00} Now I am looking for a mortgage that will be about {$1000.00}. per month. I pre-qualified with XXXX XXXX at the same time but decided on Wells Fargo because we have been banking with them for years. I do n't believe they are following guidelines while processing my request. If they do not approve this loan I would like to find out how to get reimbursed for my expenses which are several thousand dollars are this point. I feel they have taken way to long in coming to their decisions which are not final at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Situation 1 : I notice {$15.00} deducted from my account. The bank states that my account was credited and they are now collecting their funds. I do not believe this to be accurate. 
I attempted to view a detail version that would explain everything in whole but they denied me. 

Situation 2 : I need the overdraft fees corrected on my account. The last overdraft fees charged to my account were to be placed back once my claims were processed but after the claims were processed - the fees were never adjusted. 

Please advise.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Today, XXXX/XXXX/2015, I took out a bank certified check to payoff my car loan to Wells Fargo in the amount of {$27000.00}, in which the payoff amount is good until XXXX/XXXX/2015. I took that check to my nearest Wells Fargo branch along with the payoff statement from Wells Fargo. The branch said that I could not pay off my loan there and that I would have to either send a wire or mail the check to California. To process a wire normally costs {$30.00}. Sending the check via USPS certified mail costs about {$7.00}, not including the time it takes fir the check to be delivered to the west coast from the east coast, which will probably result in interest being accrued for another entire week, thus costing another {$30.00} unnecessarily. 

Due to the bank 's refusal to take a payment today, I am requesting that the accrued interest is dated back to today, XXXX/XXXX/2015, upon receipt of the bank certified check in California, and the certified mail fee of {$6.00} be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
For the past 2 years I 've been in the worst nightmare of my life with Wells Fargo mortgage. My home caught fire 3 years ago and my insurance company XXXX released a check for {$71000.00} that Wells Fargo has been holding in my restricted escrow. The balance of my loan is {$72000.00}. I have been begging and working with the executive office of Wells Fargo for nearly 2 years to try to get them at 1st use the funds to payoff my mortgage and I was told no got an entire year then they said they could do it, but I would have to give them {$18000.00} out my pocket that I do n't have. They offered me a modification twice and every time I called in to start making trial payments I was told the system offered me a modification by mistake! now I 'm asking them to let me use the funds to rebuild my home and offer me another streamline modification. They keep assigning my case to XXXX and her manager XXXX and they continue to give me wrong information and work against me! I just do n't want to lose my homebut they are determined to keep the money in my escrow and foreclose on my home. Please 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 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!

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 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mortgage servicer, Wells Fargo, did not give me a monthly statement in XXXX 2015 nor thus far in XXXX 2015. I never received a coupon booklet either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX, XXXX XXXX/XXXX/XXXX I called Wells Fargo for a status of mod they stated that they rcvd the XXXX, rep was unsure of status and stated some updated docs may be needed. Explained to the rep my conversation with supervisor, XXXX. She stated that he would give me call to go over the file with me. I never received a call back. On XXXX XXXX, XXXX I called Wells Fargo and requested a supervisor, I was told a supervisor was not available they will have someone reach out to me. On XXXX. XXXX, XXXX I spoke with XXXX XXXX and he provided me a number to the XXXX XXXX XXXX XXXX XXXX. Which should be able to help me with my concerns of the file not moving out of the reentry department because it will 24-48 hours for a supervisor to call me back. I have just spent 1 hour and 17 minutes on the phone with XXXX ex : XXXX in the XXXX the complaint will be addressed within 24-48 hours and she then transferred me back to the reentry department who advised that update P & L and bank statements and XXXX with the year XXXX is being requested. I then received a call from XXXX team who stated that the loan is not eligible for review because the sale is 7 days away. I stated that I just spoke with the reentry dept. for 2 hours yesterday and they requested me to submit a full package. The rep stated did she did not see notes in the file. On XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX called me back and stated that they would be closing out the file because the documents that were requested on the XXXX of XXXX were not received. I spoke with XXXX prior and he had confirmed that XXXX of the XXXX documents has been received. I proceeded to ask her if the phone calls are recorded she stated that they were and that her supervisor would listen to the phone conversation and call me back tomorrow. I have not received a call back.

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 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a credit card with navy federal credit union that is now closed but I still have to make monthly payments on it as it still has a balance. I do not receive any paper statements or online statements. Contacted a supervisor twice and spoke to numerous times to customer service reps. The only thing I know is that my payment Due date is on the XXXX of the month. I have no idea what my interest charges are. Everytime I call to make a payment I ask what my minimum payment is and that is how I 've been paying my monthly credit card bill for the past year. Absolutely unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation