vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have been trying to obtain a XXXX home mortgage loan for roof repair from Wells Fargo. They declined saying I was " late '' in making payments in the fall of 2013. This is not true. During that period I underwent a loan modification process and during that process WF specifically advised me to not make payments. 

More importantly, last week I sent you an official print out of my payment history to Wells Fargo that I received FROM THEM. It shows NO late payment in the fall of 2013. 

I have also sent this official print out to the XXXX credit reporting agencies so they can correct their reports. 

Therefore, Wells Fargo should stop lying and grant me a mortgage loan for roof repairs. 

thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of 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 2016-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our daughter XXXX six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.

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 2016-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.

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 2016-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened my checking account 2yrs ago with Wells Fargo. The banker who worked with me Named XXXX was a very corrupt. He was distracted & quick talking. He signed me up for a {$3000.00} visa credit card. I stated I only wanted a checking account when I spoke to the banker who was supposed to be working with me but took someone else & was supposed to be passing the message to XXXX. That banker XXXX had problems with other customers when I spoke with his manager at a different location. XXXX also shut my account down when he first opened it. I 've had nothing but troubles & lies from Wells Fargo customer service department. XXXX never went over any credit card information or offer on my visit to open 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 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I asked for a loan modification for my mortgage with Wells Fargo because I could no longer meet my payment schedule. I asked for a 40 month loan extension and I did not seek forgiveness. I simply requested a longer schedule which would reduce my monthly payments and pay the full mortgage debt. For 10 months I have been run around. The length of the explanation is too long for this space and I am attaching another document that recaptures the myriad of problems.

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 2016-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! 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 non-monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for this secured card, and a few days later i received the attached letter in the mail basically stateting " Thank you for applying, please fund the account, if we do not receive funding for the account an account will not be established '' This is basically what i understand the letter to read. Long story, short. I never funded the account and yet, an account was established and is showing up on my consumer credit report XXXX. I claim they should never have opened an account much less report it to my credit reports. I want them to delete all information from these XXXX credit bureaus. I am sending the letter that started this whole issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My XXXX-year-old son received a new Wells Fargo debit card in the mail. I thought it was an update on his regular debit card. He took it into a bank branch, and was told that it was a cash in and out card only. The employee told him that he was better off just using his all-purpose debit card, and paying no attention to the cash only card. I 'm not sure about this, but it seems related to the Wells Fargo fraud.

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 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Here I am complaining against the unfair experience from its home Mortgage in XXXX XXXX XXXX XXXX, in XXXX Arizona. 

I started the application from XXXX XXXX, with the trust for the best service from the XXXX. XXXX Mortgage bank in the country. Finally, it was the worst decision I have ever made in my life. 

The team rejected the application for the commitment in the first place just because the underwriter ignored my visa in the file. Now looking back, I shall have abandoned Wells Fargo at that moment. 

I found out reason, and ask the team to fix the mistake. Finally, commitment was issued. Shall I blame myself since I lost the commitment contingency? 

The real nightmare started from that moment. The underwriter kept asking for new stuff on the daily basis. I tried my best to cooperate and handed over the files mostly in 2 hours. But their process was so low that the seller had to grant me the extension for three times. The whole underwriting procedure was endless, with new request popped up again and again. No one gave me the firm answer about when the final approval shall be cleared, but only told me it should be good. 

On last Friday, XXXX XXXX, XXXX days behind the date of Essence, WF gave me nothing but a deny, without any reason except the number to the Customer Care XXXX XXXX. 

With the hope to change your decision, because I believe my file is stronger than most of your applicant, I dialed the number to find out the reason. I was hoping there shall be some professional staff finally reward me the justice. But after 10 hours, what I got is only two words " Unacceptable Assets ''. No further details. The fellow there performed like a recorder and only can tell me " I do n't know '' and " I can not ''. 

I felt I have been discriminated by Wells Fargo. And such unfairness has put my deal and deposit under the risk. I am suffering the financially loss and waste of my time. I will not touch Wells Fargo anymore, for both personal issue, and work purpose. I will tell everyone to get away from Wells Fargo by all means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This evening I returned a required phone call received from the Executive offices at XXXX XXXX standard time. While the phone call came in at XXXX XXXX ( Afternoon ), while at work from XXXX XXXX to XXXX XXXX. It is impossible for me to receive outside calls, other than work related phone calls. In my position of XXXX XXXX, working with XXXX XXXX and relaying this information to Wells Fargo Home Mortgage. I can not receive personal phone calls, which could hinder and possibly place the contractors, with whom I observe and protect, place them in grave danger. So being released early from duty today, I was able to reach out and phone my point of contact, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Although XXXX XXXX was not currently available, I left a voicemail, then called back and spoke with XXXX XXXX # XXXX, of the Executive Offices. She relayed that XXXX XXXX was indeed not available and forwarded an email. I then phoned the office of Return Mail Operations, with whom I received correspondence today, with the date of XXXX XXXX, 2015. I spoke with XXXX # XXXX ( XXXX ) XXXX of XXXX XXXX, California, I inquired as to the validity of which offices are in correspondence with the Executive Offices. XXXX # XXXX informed me that this office serves, The Bankruptcy Department, Loan Servicing and Wells Fargo Home Mortgage. Additionally these letters are sent from what XXXX describes as the ( Back Offices ). Which there are several, but this letter was said to have came from XXXX XXXX, IA. I was said to have a balance owed of {$1900.00}, yet made deposits of {$490.00}, {$820.00} and {$1100.00}, which total {$2400.00}. In the letter it states that there is a balance of {$540.00} and that they do not accept partial payments and that the remaining balance of {$280.00} is needed. When I spoke with XXXX # XXXX, I asked specific questions as to the communication of his offices and the Executive Offices, so that I can come to the conclusion that all offices share the same information. If the payments of {$2.00}, XXXX were made on XXXX XXXX, 2015, why would I owe {$1900.00}?. When speaking with XXXX XXXX # XXXX and leaving a voicemail with XXXX XXXX, I hereby requested a full and thorough audit of all bank deposits and money placed into my mortgage accounts. The frustration that I receive on a daily basis from the Wells Fargo Home Mortgage team, boarders on bullying and harassment, due to the fact that not one person has taken the time to place an email, phone call, bank manager, anything to clarify whether or not any of these payments and or deposits have been made. I requested everything in writing, choosing not to go over my bill with someone who has not taken the time to do any research whatsoever. According to my math, these numbers from my deposits do not add up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation