vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.

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 2016-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 
I received a letter from Wells Fargo on XXXX XXXX, 2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did not make any additional charges whatsoever after receiving the letter on XXXX XXXX, 2016. 
Logging into my online account yesterday, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf.

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 2016-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX my home went to sheriff sale with Wells Fargo. We are being evisted. We can not get a place to live due to bad credit repoting by Wells Fargo. They are reporting my foreclosure with XXXX different account numbers, delinquencies, and 2 monthly payments requiredntotalling over {$4000.00}. Wells Fargo changed my acct number in XXXX. Now both are reported as owing XXXX different payments. The Wells Fargo mortgage was transferred to XXXX XXXX when sold at sherriff sale. XXXX XXXX XXXX a second loan is also reported as delinquent of which was settled in the foreclosure and sherriff sale. They have not reported this activity correctly please help. The foreclosure was illegal since XXXX they drag it out so that my statue of limitations expires so I can not take recourse. They chain of title is also incorrect how can they sell it to a new buyer.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest payments.

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 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void

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 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I do n't know why it took me so long, but realized that my car payment allotment should 've stop. I had a {$300.00} allotment coming out of my each paycheck. So every other Friday I was making a payment. I contacted Wells Fargo Dealer Services on XX/XX/XXXX at pm to find out my balance. They told me they had to contact the Bankruptcy Trustee before they could give me any information and I had to call back in 2 hours. I called back the next day ( XX/XX/XXXX ) to find out my balance and was told that I did n't have a balance. I asked them when my final payment was and the rep said that she could n't tell from my account because it was charged off and had to send a request to a different department and that it would take 24 to 48 hours to get an answer and I had to call back. So I called back on Monday ( XX/XX/XXXX ) and the rep still could n't tell me anything. I asked to speak to a supervisor and I was passed to XXXX and she told me that my final payment was made on XX/XX/XXXX, that would have been my XX/XX/XXXX paycheck. I was told to call back within 24 to 48 hours again for to let the Bankruptcy rep to work on my refund. Since then an automatic payments were sent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I called back on XXXX to follow up on my refund and I was told that a check for {$700.00} was sent. The number is completely incorrect and I spoke to XXXX the supervisor and told her that if my last payment was XX/XX/XXXX, there was still 4 payments sent since then. I am not sure how they got {$700.00} since {$300.00} evenly was sent every two weeks and they fact that 4 payments have been sent since XX/XX/XXXX. I went back and counted all of my payments starting in XX/XX/XXXX. Over all I 've paid them {$15000.00}. 
XX/XX/XXXX - XX/XX/XXXX {$1300.00} XX/XX/XXXX - XX/XX/XXXX {$8100.00} XX/XX/XXXX - XX/XX/XXXX {$5700.00} - This total what I 've paid them all noted within the transaction information they sent. If I go by what the Trustee stated I owned Wells Fargo it was {$13000.00}. If I go by what they had on that transaction sheet they sent me it was {$13000.00}. Either way I am owned more the {$780.00}. I contacted them on XX/XX/XXXX and gave them this exact breakdown. I followed up Tuesday XX/XX/XXXX and the Bankruptcy manage is still working on it. Called back today XX/XX/XXXX and was told by the Supervisor XXXX that the Bankruptcy manager still has n't looked to the follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting XXXX XXXX : We " XXXX XXXX '' A XXXX XXXX XXXX under And on behaft of " XXXX XXXX a Dual Citizen of the United State of America : Are sending are Legal Complaints, And Disputing 'EACH of These " Case 's '' with the cfpb. Consumerfinance.gov. ( USA ) That every case be handled individually, and not be called or labled as the same, Each Complaint has diferent Attachments, and may call out another Case Number, it is not the Complints in wording : " Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a phone call this morning at XXXX regarding payment on our mortgage, which had already been made the previous day. I had advised a representative on XXXX/XXXX/16 of the payment and gave the confirmation number. I still received a phone call today at XXXX regarding this month 's payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My house was damaged by fire in XX/XX/XXXX. Our Insurance ( XXXX ) payed {$75000.00} for rebuilding our house. Money was kept in our Escrow account in Wells Fargo Bank, which we have mortgage with. Wells Fargo paid us {$50000.00} but kept last {$25000.00}. They supposed to release it after we finish all construction work. After initial payment our contractor quit the job without finishing it, he even called our bank to inform them about that. We finished rebuilding our house in XX/XX/XXXX with our money and different contractors. I asked Wells Fargo to release the money but they informed us that we have to take our old contractor to court to be able to get money from Escrow account and till then money will be kept in Escrow. For those years they paid me interest ( 1 % ) from money they kept from us. They send me statement every XXXX of each year for my taxes. I did n't get this form XX/XX/XXXX so I called them to ask them about it. They told me that they paid my Escrow money to old contractor. They did n't contact me at all to informed me about that. After lots of phone calls and my frustration they send me a copy of the check they paid to contractor. Check was with my name and contractors name on it, my address on it, it was send to contractor. On back check was signed by him and it was also signed with second signature. 
I filled out check fraud endorsement and I am still waiting for answer. Wells Fargo is playing games : each time I called my case was assigned to new person. They are promising me to call me back same day or next day. Each time I am waiting 2 weeks and I am calling again and new person is there without knowledge of this problem. Bank made a lot of mistakes : my money was paid to contractor who did not perform the job, without noticing me they send the check to his address, he did sign it as me and cash it. 
I have record of all my communication with Wells Fargo and I would like to resolve this case, so please help with that.

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 2015-06-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Integrated Recovery Services
State: VA

Complaint narrative:
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.

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