vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have attempted several times to have my home equity line of credit refinanced at a lower interest rate but Wells Fargo keeps denying my application. They wo n't refinance my second mortgage so I can keep paying their outrageous high interest rate.

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 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a loan modification with Wells Fargo on XXXX XXXX, XXXX. This was n't the first application. I had submitted a previous loan modification the early part of the year but Wells Fargo ' representative declined receiving most supporting documents I had submitted. I then decided to hire a law firm, XXXX XXXX, to help with the process. The representative with XXXX and XXXX submitted a complete loan modification package to Wells Fargo on XXXX XXXX, XXXX. On or about XXXX XXXX, she started to inquire about the status of the application, Wells Fargo 's representatives gave her the run around just like they did me. In the package the representative submitted she listed my gross income to be {$6500.00} per month and provided supporting documents accordingly. Eventually, Wells Fargo submitted a denial letter, listing the reason for the denial as insufficient gross monthly income of {$3500.00}. The amount they listed is {$3000.00}. less than the gross amount we listed on the application. 

I am requesting that Wells Fargo send a letter explaining the reason for listing the incorrect amount. Also, to correct the information and send a letter of approval based on the information the representative at XXXX and XXXX already provided. 

I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence

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 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.

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 2015-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wellsfargo continuously misapplies payments and proceeds to charge late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.

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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
1. XX/XX/XXXX, I received a check in the mail from Wells Fargo for {$500.00} with a form letter stating that I had been charged " too early '' and they were now refunding me {$500.00}. 

2. I wrote and asked them for more information on the charge of {$500.00} - the date, what it was for, and whether or not they had applied interest in calculating the {$500.00}. 

3. I received an answer dated XX/XX/XXXX ( which I will try to attach ) stating that the charge dated from XX/XX/XXXX ( almost 5 years prior ), and was for a rate-lock fee on a mortgage ( which I was later denied -- I was trying to re-finance an existing mortgage at that time on a rental property I own ). The letter also states that Wells had not applied any interest, and was just returning me the original charge made of {$500.00}. 

4. Since wells incorrectly charged me {$500.00} five years ago, I believe I should be entitled to interest over those five years. Can CFPB help in this regard? I did call Wells to ask and they just responded that no interest had been applied.

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 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 
As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX County Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender in an effort to assume, modify or refinance her loan so I can keep her property. Every time I send the requested documents they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.

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 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been erroneously reporting derogatory information regarding account ending XXXX to the credit bureaus since XX/XX/2013 in XXXX separate areas, one as collections and the other as a charge off. This duplication is causing excessive inaccurate credit reporting and reducing my credit score. I am requesting Wells Fargo to delete the tradeline.

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 2015-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Well Fargo will not/refuse to send the trms of my loan. While in bankruptcy, Wells Fargo agreed to do a modification with me. Bankruptcy lawyer agreed and I agreed, so I made the XXXX payments on time and continued until XXXX 2015 Wells Fargo stop taking my payment and could not tell me why, so now I have to file bankruptcy again because they are sceretly trying to take my home away from me. I am humilited, frustrated, and depressed. Is this the way they do business ; saying I was a fraud, is this XXXX ... what is this and why is this going on, again they are ruining my livelihood and my credit. The Home Preservation Specialist Department, I can probably name at least XXXX or XXXX if not more. They made a mistake admitted to the mistake and will not own up to it ; I have documentation. Am I an XXXX to them, well I think so for even doing business with them in the first place the whole department need to be fired and have dedicated workers that will work for the people, they are there for a paycheck not to help people. Wells Fargo gets up every morning " whose life can we ruin today ''. I have all ready faxed this information to you and since then I have received more documents. My home is not in foreclosure, but I have file for bankrupcy again. You all ready have these documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.

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 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.

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