vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Our compliant is that Wells Fargo forced us into a loan modification and then denied our application AND our appeal to the denial of the modification. 

XXXX XXXX, Executive Resolution Specialist began the audit process against our home mortgage account, during this time he instructed us not to make a mortgage payment during his process. At that time, XXXX stated that our mortgage was 5 months in the arrears, when we were not ; when we were in conference XXXX XXXX XXXX XXXX - yes we admitted that we were 2 full months delinquent yet we continue to refute that we were never 5 months delinquent since the modification in XXXX XXXX. NOW after listening to XXXX we ARE 5 months delinquent AND we were just DENIED a modification and DENIED a modification through APPEAL. 

Our family home means everything to us and we are willing to do everything humanly possible to live here for the next 30yrs. Wells Fargo representatives has caused us into this spiral of hopelessness due to their inefficient handling of our mortgage file and cash payments. 

By the time XXXX finished his audit Wells Fargo should 've have allowed us to make payments toward our loan once XXXX returned his decision. 
We know that the following payments had been made until XXXX instructed us NOT to make a payment and FORCED us into applying for a MODIFICATION after notification from Wells Fargo came in stating that we were being FORECLOSED - we even received mailings from a Wells Fargo appointed Law Office : XXXX/XXXX/XXXX {$1400.00}, ORIGINAL MODIFICATION BEGAN XXXX no payment due - No payment was due this month XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$2900.00} ; XXXX/XXXX/XXXX {$2800.00} Total payments we made to Wells Fargo by XXXX/XXXX/XXXX were {$29000.00} ; which is almost 2 months shy of a full yearly payment of {$33000.00}. 
On XXXX XXXX, we were 2 months delinquent in payment. In addition, Wells Fargo shut down our ability to make any further payments to the bank in XXXX ALSO Wells Fargo Executive Resolution Specialist, Customer Care and XXXX XXXX, XXXX XXXX instructed us NOT to make any more payments until he finished the audit and instructed us to SIMULTANEOUSLY fill out a request for a loan modification ; even though our actual arrears were totaled at {$4000.00}. 

Lastly, we are NOT interested in a deed-in-lieu, short sale or the foreclosure sale of home, collectively without any doubt want to live in our family home for the next 30 years or more.

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 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Earlier this year, as I was attempting to clean up my credit report, I noticed a couple of adverse items. XXXX of these items was from Wells Fargo. There was an open account with a balance of over {$7000.00} from XXXX. There were no late payments and the report indicated that the monthly payment due was {$0.00}. After investigating, I found out that this was for a car loan I had co-signed for with my now ex-wife about a year before we divorced. I contacted my ex-wife and found out that the vehicle in question had been in an accident, totaled by her insurance company and the balance paid off in it 's entirety. Since no activity was showing on this account since XXXX ( over 6 years ago ), I disputed the item with the credit bureau to have it removed from my report. 
When the credit bureau contacted Wells Fargo in XXXX, Wells Fargo instead of clearing the account or marking it as paid, they charged off the balance to {$450.00} and then " wrote off '' the remaining balance. Whatever they did to " balance their books '' caused an even further adverse affect on my credit report, causing my credit score to decrease XXXX points overnight in XXXX. 
I contacted my bank about this situation, and they informed me that what Wells Fargo did was illegal, and they gave my the information to contact 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 2016-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My husband passed away XX/XX/XXXX. I contacted Wells Fargo Home Equity, XXXX mtg, to let them know and to please send all correspondence to a PO Box . ( I am NOT on the XXXX mortgage ) Our correspondence for this mortgage for the past 10 years had been going to his business and I had to shut down the business XX/XX/XXXX ( I explained this to Wells ). Wells refused to change the address to a PO Box and changed the address to our home address. I explained to them several times that our mail is on a busy street and we do not like any financial information to be left in that mail box for the reason we have had stolen mail - PRIVACY ISSUES. They, Wells Fargo Equity, refused to change the mailing from property address to PO Box , as I am not on the XXXX mortgage. I am on the XXXX mortgage that is with Wells Fargo Home Mortgage. I sent to Wells Fargo Equity the death certificate and deed showing that I am his wife, as they requested in order to do this. They still would not change the address and will not give me access to the account. I did not get any statements but one XX/XX/XXXX. XX/XX/XXXX I received a letter from XXXX XXXX that my property was going into foreclosure. I used the XX/XX/XXXX statement to figure out how to get this loan current and brought payment to Wells Fargo Bank on XXXX XXXX and they had to change the check into a cashiers check. I was told by Wells Fargo Bank that if I had not made payment by XXXX XXXX, the foreclosure proceeding would start. On XXXX XXXX I received a letter from Wells Fargo Equity, dated XXXX XXXX, that they were proceeding with foreclosure. Wells Fargo Equity indicated that they sent me by mail notification for loan modification. I have not received any information for a loan modification or foreclosure at the home address. My husband is deceased. I have not worked in three years. I have been working on closing business down and trying to get caught up. I do not qualify for anything, but can keep up with payments if they, Wells Fargo Equity, would send me payment information to my POBOX. My complaint is that they knew all this information and put me in a bad and very XXXX position. I have told them I am willing to try and continue to make payments and I have put the property up for sale. I need them to change the address to the PO Box and give me information regarding payments received/made. I am not trying to dodge payment, I am trying to make payments. I have given them documentation that has been requested for this to happen. Yet I am refused information on the loan to make payments. How is it that Wells Fargo Equity can say in a letter that they have sent me information, yet I did not get it? IF they are or have sent such information to home address, my privacy HAS BEEN VIOLATED.

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a credit card with Wells Fargo for over 10 years. I 've never been the type to check statements but recently began to and was surprised to learn that I have been getting charged monthly for a service called credit protection. This is not a service that I ever agreed to. I contacted Wells Fargo and a representative agreed to refund the charges dating back to XX/XX/XXXX totaling around {$110.00}. I demanded that all charges dating back to when the card was opened to be refunded. She stated that she personally could only do the 6 months but was sending information to the credit defense program in a " ticker '' and that they would be able refund the full amount. Unfortunately the number she gave me was closed that day and I was unable to receive any confirmation that all the charges would be refunded. Simply typing this program into google revealed that this was a long running scam by Wells Fargo and that many people have had this exact issue. Wells Fargo is even facing a class action over this.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
-Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior without his knowledge, understanding or any benefit to him, and then collected from him on it despite his protests -Wells Fargo showed bad faith, taking from XX/XX/XXXX to XX/XX/XXXX to " investigate '' the elder-fraud, then stated that there was no fraud, then stated there actually was only when told that an advocate would not waive XXXX XXXX legal rights -Wells Fargo has ignored and continues to ignore requests to restore the money it took from a XXXX based on a fraudulent loan that it issued despite written acknowledgement by a Wells Fargo attorney that it is indeed fraudulent

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 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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 am writing to see what help I can get for my clients. Wells Fargo has been absolutely horrible, dragging their feet with a looming Foreclosure date. The day after we asked for our Modification to be reviewed again because we had a change for the better in the clients situation, we were informed of the foreclosure date. We have worked diligently to supply documents to Wells Fargo and were informed it is fax only. We can prove that every fax was received and Wells claims to not have received them. I have been given 4 different fax numbers with agents all claiming that the fax numbers are wrong and only theirs is correct. Supervisors give us the same run around as well. I am 17 days from the sale date and they continue to drag their feet with no help. Can someone please help us ASAP? We have complied with Wells Fargo on every condition and they keep stalling. We need help today. Any assistance would be greatly appreciated.

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 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am in the middle of trying to get my home refinanced through Chase. When I got their letter on my " credit score '' it was only XXXX ( per them that was the score from XXXX ). I contacted XXXX and per them my score was XXXX ( it is now XXXX as of today XX/XX/2016 ). Before contacting Chase I asked several banks and credit unions about it being different. Per all of them it should not be. When I called Chase to ask why it was different, per them, the credit score is different for homes then it would be from a regular report. A different of over XXXX points would effect my loan dramatically. Again Chase is trying to rob me of my hard earn cash and prevent me from refinancing my home. 

The last time they messed up my loan I complained to the CPA and quickly got a call from Chase saying they were investigating it. Later they said they found nothing wrong with my loan and escrow. However, all of a sudden my escrow was only {$900.00} short instead of the {$1600.00} they first insisted it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. 
ReliefThe disputed address has been deleted. 

ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. 
WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... 
Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

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 2016-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for XXXX 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 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency,

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