vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My parents had a reverse mortgage with Wells Fargo Bank, father passed away XXXX XXXX, XXXX. I notified Wells Fargo Reverse Mortgage that I intended to purchase the property. They have put me off many, many times by withholding necessary information for me to save the property. 
When I could n't find my parents ' will, a Reverse Mortgage Home Preservation Specialist told me to fax my birth certificate, which I found out too late by others in the department, had no bearing in any way. They changed Home Preservation Specialists many times, transferred me into voice mailboxes that were full, was transferred into voice mailboxes that were supposed to supervisors, but we 're not, and when I did leave voice mail messages, no one would return my calls. When I requested to speak to a supervisor, I was told, they are out to lunch '', they are in a meeting '', " they are on the phone ''. They never gave me any names of any supervisors, and Home Preservation Specialists would promise a call-back within 48 hours, but no supervisor has ever called me. 
When I finally found my parents ' wills, I went to the Main Branch of Wells Fargo, at XXXX XXXX XXXX XXXX XXXX, here in XXXX and asked for help. A representative phoned Wells Fargo Reverse Mortgage Department, spoke at length with a Home Preservation Specialist, and was obtain much information that had been withheld from me ; she also faxed both of my parents ' wills and a letter requesting a delay of proceedings. 
Seven days later, they issued a Notice of Default. 
I was referred to a Wells Fargo loan specialist, who I spoke with once, he promised to call me the next day, but did not. I got the name of another loan specialist, my brother secured a loan, we faxed the pre-approval letter to Wells Fargo Reverse Mortgage. 
The Default Notice names XXXX XXXX XXXX XXXX XXXX, which I have contacted for help, but nothing has changed. They refer me back to Wells Fargo Mortgage listed on Notice of Default, but they had no information on me, even though I am executor, and refused to speak with me. I had to fax wills to them. They told me it would take 72 hours to process, before they would discuss matters with me. When I called back after the 72 hours, I was told it takes 7-10 days to process. 
I am running out of time to save this property I only last week found out that we needed a probate lawyer Lawyer began his part Friday, XXXX XXXX, XXXX, but probate takes 60 days We were given 90 days to respond to Notice of Default Probate will take us beyond that date Wells Fargo has refused to requests to work with them SELECTIONS BELOW DO GIVE PROPER DESCRIPTION. I am making a selection because it is required, but it is NOT ACCURATE

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 2016-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Long story short when I refinanced after the first year to lower my interest rate Wells Fargo never bothered to check the current property taxes. 
The property taxes literally tripled but when Wells Fargo took over the loan they used a year old settlement statement instead of making sure the impound was sufficient to pay the taxes. Even after Wells Fargo paid a supplemental tax bill that was substantial nearly a year ago they never did a Escrow Analysis until XXXX 2016. Which means the impound account went over for nearly a year before they did a new Escrow Analysis. Now Wells Fargo demands that I pay them XXXX sum odd dollars before XXXX XXXX, 2016 or my mortgage payment go from XXXX a month to XXXX a month for a year to pay back the XXXX and the new amount needed to pay the increased property taxes. I like most have my taxes impounded so I do n't get in to this exact situation. So now I 'm having to beg Wells Fargo to modify the loan so I do n't starve to death or loose my home. I 'm XXXX years old and was laid off after 7 years employment due to oil prices. I have a new job but the pay is substantially lower am I 'm devastated at Wells Fargo course of action. I am having to beg them to modify the loan and being treated like I 'm in default! All my payments have been on time so why is this happening when I did every thing I was obligated to do according to the loan docs?

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 2017-02-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit my account.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: OH

Complaint narrative:
Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo sold my loan to another provider ( XXXX ), however, they are reporting to the credit report that I have an outstanding charged off balance. Additionally, the account is over 7 years old and should be removed from my credit report. Wells Fargo refuses to address the duplicate information and refuses to remove the outdated accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received several calls over the course of 3 days from the same phone #. The caller never left a message and called excessively each day until I finally answered on the third day. He said he was calling from Wells Fargo about my unpaid balance of {$30.00}. I asked him why I never received a statement he said he could not control the Post Office. So when I saw he was being sarcastic I told him I would check my account online and ended the call. My problem is this is the first time I remember getting a call from Wells Fargo about my payment being past due. I have had this account for more than 3years and have kept up with the payments. I do n't understand the need for calling me at least three times daily about a balance of {$30.00}. I do know a thing or two about collections. He should have left a message the first or second time so I would know what the call was about. Then he would not have had to call me a third time. I would have just answered. But still calling a customer three or more times in a day is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is the second complaint being filed for this account. We submitted a loan modification and it was denied due to income as the lender in this case used income from 2 years of tax returns and not from the bank statements and profit and loss that was sent to them. After my dispute I was told they are allowed to calculate the income this way and my case with the lender was closed with no resolution. I was told to resubmit the file in which I did giving them 9 months worth of a profit and loss proving the income the client has exist and it is year round. We are now being told they will not review the most recent income and the loan does not qualify for a modification due to it being 3 years or more delinquent.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why

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 2016-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.

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 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I keep receiving a credit card statement from Wells fargo for a credit card that i never opened with them. I spoke to them and told them that i never opened this account ; they closed the first account and opened a new one and transferred the balance tot he new account.

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