vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my report

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 2016-12-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, 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 2016-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Several years ago, perhaps four years, I noticed the account balance of my mortgage balance had dropped significantly by approximately {$40000.00}, There was no explanation in my account statement for this. At that time, I thought perhaps my mortgage account had been credited back for inappropriate charges, fees, and negative amortization payments. Wells Fargo employees that I spoke with her baffled, and could not offer an explanation for this account balance fluctuation. After several months, my mortage loan balance increased again.

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 2015-10-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am co signer on daughters loan and daughter is unable to pay and at this time I am also out of work and unable to pay. Wells Fargo Bank has been for the last six months day and night. I have now become ill and just out of hospital and can not take the strain of the constant calling. I have informed them of the ladder and that I am trying to pay but they just keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, 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 2016-12-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have several falsified documents that will corroborate each of my claims. The documents will demonstrate Predatory Lending and Mortgage Fraud. Wells Fargo should also be ashamed by replacing my point of contact from XXXX XXXX to somebody by the name of XXXX XXXX who 's job it was to scare me half to death. He misrepresented his job title and called from an " unknown number. '' He told my son that I better just sell my home. It 's basically another example of deplorable behavior on the part of Wells Fargo. I ca n't understand how a bank can treat the elderly with such disrespect and abuse. I can not even refer to this XXXX XXXX ( Another Wells Fargo Elderly Bully ) as a man. He spoke to me like I was a piece of garbage so I asked him to speak to my son. His act only got worse when my son informed him that he was working this mortgage fraud with the CFPB and the FBI. I can only speak on behalf of XXXX alleged motive to convince me that the CFPB and The FBI are powerless when it comes to protecting citizens against Wells Fargo. Is he eluding to the fact that I 'm XXXX in my attempt at fighting the good fight? Only time will tell if his staments ring true. He laughed out loud and responded " hahaha good luck with that ''. XXXX was told that the phone call was being recorded and still conducted himself as if he could do as he pleased. Wells Fargo used the ole " Be careful what you wish for act '' by assigning this employee as my new point of contact. Obviously, I have complained on more than one occasion in regard to XXXX XXXX deplorable conduct. XXXX XXXX started the laughing routine when she stated " Watch what happens in XXXX. '' She was referring to the pending foreclosure. I can not believe that Wells Fargo laughs and ridicules the elderly by any means possible. Once again, the elusive XXXX XXXX is nowhere to be found. She used her alleged assistant to place two calls stating that XXXX XXXX would be out of the office for the entire week. After consecutive messages on two occasions this prior week from XXXX XXXX assistant, Wells Fargo flexed their muscle. Wells Fargo 's intent is to follow the same pattern of unethical behavior in several other cases. I 've fought XXXX and have other medical problems that have been exacerbated by this entire ordeal. Wells Fargo has demonstrated how they go about using their tremendous power and unlimited resources to scare and, at times, let nature take care of their business with the elderly. Do they understand how frightened senior citizens have become as a result of their deplorable behavior? Obviously one superior court case has led to the death of an elderly gentleman who had the gaul to fight his case against the Well Fargo Fraud Mill. Please see ( attachment ).

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 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a call from XXXX XXXX from the Office of XXXX. She said I have an outstanding balance from Wells Fargo in the amount of {$1500.00}. I have a Wells Fargo account and know nothing of this. If this did happen, it was over 10 years ago when I was living in XXXX XXXX. I now live in XXXX. She said she sent me a letter which I never received. I told her to send me written verification of the debt and she refused. She immediately told me that I need to settle or it could escalate to court. I am disputing this debt and she is refusing to work with me or give me validation. I have looked up the number and have found numerous complaints. They asked me if I was XXXX XXXX ( I have n't been using XXXX in 5 years since I got married ). Wells Fargo has no record because I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stewart Information Services
State: WA

Complaint narrative:
On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years. 
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1. 

The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with. 
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A representative ( XXXX XXXX ) of my mortgage Company ( Wells Fargo ) took upon herself to deposit money into my mortgage account on XXXX/XXXX/XXXX without discussing anything with me ) as part of a presumptive close to an ongoing situation regarding the reporting of my mortgage to credit bureaus. She actually stated, " I 'm making a $??? adjustment to your principal balance to make this go away. '' When I informed her that there was still an outstanding offer on the table from the representative that reports to her, she stated that she would look into the existing offer and get back to me the following week. On XXXX/XXXX/XXXX without any notification from anyone at Wells Fargo, $??? was removed ( debited ) from my mortgage account. There was never a discussion of the credit nor debit of my mortgage account in the amount of $??? before the transactions were done. The $???? adjustment was a separate discussion from the initial offer as an attempt to resolve this issue. Wells Fargo should have never withdrawn monies from my account with discussing with me in advance. Wells Fargo presumed that depositing monies into my mortgage account thereby reducing my principal mortgage would " hush me up '' and make me " go away ''. It is very disappointing to see big banks push their customers around when the customers actually discover the bank 's mistakes on more than XXXX occasion.

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 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
It has come to my attention that there is a class action law suit against Navy Federal Credit Union for loan collection malpractice. During the period of time in question, I was a victim of some of the happenings that were taking place. Because I had my checking account and loans through them, they had access to transfer funds without my knowledge to settle up debts that they deemed delinquent when in fact they were n't even 30 days late. There were times when my account would be " frozen '' and the only activity I could make was to pay my loans at a time when I was paycheck to paycheck. When this would happen, my debit card was also frozen causing me to be forced to resort to credit cards to put gas in my car and food on my table to get by until my next payday when I could settle up with NFCU. There were also occasions where I would owe a certain amount and NFCU would simply garnish my entire checking account to fulfill a partial payment leaving me with {$0.00} balance without notifying me, freezing my account effectively locking me out of online banking and everything else, and then garnishing my incoming direct deposit to fulfill the remainder of said loan, again leaving me with little to no money for the following week. Not only did this prolong my hardship, but it forced me to rack up credit card debt which in turn caused me to enter into a debt management program to get out of the debt that had been created. 

It seems that there is a settlement with the people affected by there practices during this time, and I am writing this to ensure that I contact every avenue possible to make certain I get my fair share from the penalties they 've had to pay out. 

I 'm not sure what other steps I need to be taking, but hopefully this makes it into the correct hands and gets me on my way to a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went into a Wells Fargo branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX the afternoon of XX/XX/2016 to open a new Checking and Savings Account. I provided the bank rep with my current AZ drivers license and my XXXX credit card for my forms of ID. I had deposited a total of {$3000.00} into the Wells Fargo account. {$1000.00} was to be placed in savings and {$2000.00} was to be placed in checking so that I could resume the pending transaction that had been scheduled for the coming weekend which would of been my XXXX mortgage payment and my XXXX car insurance. The banker had gone over the account types and pre qualification for a Wells Fargo credit card and asked me to sign electronically if I had agreed I was opening up savings and checking as well as I may be pre qualified for a credit card. After my deposit had been complete the banker printed out all form she had advised me of. She proceeded to advise the direct deposit slip was enclosed in the new member booklet along with temporary checks and temporary XXXX member card. Bank rep advised I was good to go. Later that evening when my family returned home I went only to update my job direct deposit and to set up my mortgage and car ACH payment. At that point is when I realized the information the bank rep had for the new accounts I had set up along with my funds was set up under the wrong name and a completely different state. At that point I assumed it may just be a simple clerical error so I proceeded to contact customer service to attempt to get the issue of the name and address change. The customer service agent was not able to provide me with any information on my funds as he stated my social does not match. The account was set up under the name XXXX XXXX XXXX in XXXX XXXX. I was unable to process my mortgage payment as well as my car payment and had to max out my only {$500.00} secured credit card which I had just paid off days earlier. I had attempted to pay my mortage payment and car insurance by visa but was unable to as they require routing and account information, when I provided my routing and account number provided by Wells Fargo they both had been declined as information did not match. Then end result is my XXXX account and credit card had to be maxed out and overdrawn in order for the payments to be processed. I do not have access to my funds I am not able to pay for gas at the pump nor may any payments. I am taking my son to XXXX driving out from AZ on XX/XX/2016 and will be returning XXXX I need access to my funds immediately.

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 2016-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.

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 2015-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Home Mortgage - Loan ModificationDuring an economic downturn that resulted in a real estate market collapse, my family lost most of our income and was struggling to provide basic necessities for our XXXX children. My husband lost his business. It was a difficult time for us. It was difficult to get a modification done - very difficult. 

After a 3 year process of a continuous declines Wells Fargo offered my family a home modification agreement. This agreement was signed XX/XX/XXXXThe terms of the Loan Modification Agreement offered on XX/XX/XXXX was as follows ; 1. New amount payable under the Note is {$700000.00} 2. Interest Bearing Principal Balance {$570.00} based on the appraisal of the house. 3. Deferred Principal Balance {$120.00} 4. Forgiven Principle of $ XXXXOn XX/XX/XXXX we received a XXXX XXXX envelope with a letter included in this complain, that states : Wells Fargo discovered that they did not show us " clearly '' how they arrived at the new principal balance within Modification Agreement. 
They changed the Principal Balance to {$780.00}, XXXXWhich is {$77000.00} more than the modified principal under XX/XX/XXXX Agreement. 
This is unacceptable and deceitful. Please investigate. We will can not accept this new principal balance. Our income is limited and we are working hard to make payments and pay off our house. This increase is not justified as there is not basis for it. 
Included are the original modification and a letter / modification with enlarged balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
This company AmerAssist, is constantly calling my work at least XXXX or XXXX times a day harassing me and my coworkers for personal financial information. They have been told on numerous occasions to stop contacting my place of employment as well as a letter has been sent to the company to stop all communication unless in writing. This company will not stop calling no matter what I do. This so called debit they are trying to collect is XXXX times the amount of what is actually owed and false. I do not owe this amount!

Company response to consumer: Closed