vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This account originated with Wachovia Bank. At some point Well Fargo purchased the account however in the process the account was inadvertently entered twice. I was not even aware any money was owed until I went to apply for a government job and was denied due to this huge error. I contacted them to get it resolved and was informed there was no way they could put the money on the account because there was no place to credit it. A Senior Vice President then created a letter indicating that they considered the account paid in full. I was also able to confirm there was only XXXX account. Since my credit was still reflecting XXXX account the Branch Manager with whom I bank with sent an inter office email trying to show that there was only XXXX account. I thought this issue was resolved but my credit monitoring company sent me an alert that Wells Fargo again changed the balance from XXXX back to {$170.00}. This is getting very frustrating. I have tried numerous times to get this resolved and I continue to get the run around. I have been fighting this for some time. I have spoken to several different people and even received a letter from a Senior Vice President indicating the account was considered paid in full. I have even had my own branch manager try and get this resolved and still there is XXXX accounts reporting and both show balances. This is causing a huge financial issue and employment issue. I do not know where else to turn. This account is extremely old almost to the statue of limitations and it 's still causing many issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo excess charged my account for attorney fees. These are a couple. They need to go through all the EXCESS charges to my account and take them off. I have submitted some from other years and these are a couple of the more recent ones. Also the $ XXXX/mo in MIP charges too.

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 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My mother died approximately XXXX year on XXXX XXXX, 2015. I resided in the residence with her for many years. My mother decided to take a reverse mortgage with Wells Fargo Bank. I have tried to work with wells Fargo and my estate attorney to get me appointed as the personal representative. I feel that wells fargo has been unfair and deceptive in dealing with myself and my mother during her life. My mother has NOT been vacated from more than XXXX year. Therefore the bank can not legal foreclosure and are in violation of the FDCPA.

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 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased a house back in XXXX XXXX with another person. The mortgage has fell behind on several occasions and XXXX loans modifications were done. Only the other party was living in the house in XXXX and was suppose to being paying the mortgage which they were not and they applied for the loan mod rather than have the house foreclosed on because the mortgage was past due. I only agreed to sign the loan modification paperwork if they would let the other party assume the mortgage after I Quit Claim deeded the property to the other person. I signed the deed over and signed the loan mod for the mortgage and Wells Fargo denied our assumption afterwards on the basis that they created a secondary lien to HUD around the amount of XXXX which was the past due amount and the person at Wells Fargo informed me that needed to be paid before they could approve the loan assumeption. Now I am on the mortgage, not living in the property and have no ownership rights to the house. The other party is renting the house out and has kept the account in good standing for the last two years. I am unable to take out any type of loans because I am tied to this mortgage and I do not receive any type of rental income. If I would of known this I would have let this house been foreclosed on so at least it would come off my credit at some point. Wells Fargo should have made us well aware about the secondary lien would have to be been paid before we XXXX signed any paperwork. There is about XXXX left on the mortgage and the secondary lien is around XXXX to HUD. The property value is around XXXX. I do not want to have to hire an attorney to file a Quiet Title Action to have the Quit Claim Deed stricken since I gave up my ownership under false pretenses or information omitted by Wells Fargo. All they need to do is a partial release of mortgage or let the owner assume the whole mortgage. I know Wells Fargo has been very deceptive in the Loss mitigations practices and this is another example.

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 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During Chapter XXXX, Wells Fargo reporting XXXX missing payments. Mortgage was never in arrears going into filing, XXXX payments made on time each month, mortgage was never behind. During this time period we sought a loan modification at which time Wells Fargo held payments in suspense account. They will not correct the credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is the third time for filing this complaint. After each contact Wells Fargo has given me a different story of why I was sent a {$300.00} dollar check on an account that was sold to a collection agency. This last time the collection agency told me that Wells Fargo told them that it was for overpaid interest. I have attached a letter and all of the information including the new information received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.

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 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I currently have a loan for furniture through Wells Fargo. How do I find out if a false account has been opened under my name?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have banked with Navy Federal Credit Union for almost two decades now. I recently applied for a refinance on my house ( to get cash out to pay off my loans and be debt free ) since I saw the market value has increased. I have looked from several different sources, the most recent was from a company called XXXX XXXX and they valued it at roughly {$250000.00}, I brought it for {$150000.00}. I 'm not asking for the full value of it but enough to pay off bills and maybe do something for my family, being a single dad is not easy or cheap. I 'm an employee with the XXXX and have been for 10 yrs now, I 'm essential and protected by XXXX XXXX XXXX ( lay offs ). Two of the reasons I was denied for the loan do n't make sense to me, I was told that I have bad credit with my Credit Union when I only have XXXX other accounts besides my checking and savings with them. XXXX is a car loan that I stay current with and the other is a credit card that I'am beyond my limit and making payments but the loan would rectify both of those! My debt to income ratio would change drastically if approved for the loan. I wrote XXXX XXXX with NFCU to see if I could file a complaint with them and have not heard a single word from them since. I read a story not that long ago about how XXXX XXXX XXXX has been discriminating against potential customers for mortgage loans. I originally brought my house for two reasons : one is to be able to pass it on to my children and the other was for an investment, and I ca n't even take advantage of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Trying to complete load modification

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation 's they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So, now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation. They attached a document to the last complaint, that would n't open,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Dealing with bank that is notorious for trouble, and discrimination. Tried getting secured loan, first told I was denied for not having enough money in savings account, branch manager informed me to put just XXXX more in savings account, no problem, did that, branch manger resubmitted request, now I 'm denied for debt to income ratio. District manager gets a wiff, now she files complaint on my behalf realizing there is something definitely wrong, something I 've been saying 30 years now.

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 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO BANK REPORTS THEY ARE SERVICER FOR XXXX XXXX XXXX BUT XXXX XXXX XXXX STATES WELLS FARGO IS N'T SERVICER NOR XXXX XXXX XXXX IS NOT LENDER / INVESTOR FOR MORTGAGE LOAN. WELLS FARGO BANK CONTACTS XXXX XXXX XXXX AND TELLS XXXX XXXX XXXX, A DEPARTMENT XXXX IN XXXX XXXX XXXX IS INVESTOR FOR MORTGAGE LOAN. XXXX XXXX XXXX XXXX REPORTS SHE NEVER HEARD OF XXXX IN XXXX XXXX XXXX AND DO NOT HAVE CONTACT NUMBER TO DEPARTMENT IN SAME CORPORATE BUILDING. WELLS FARGO BANK AS SERVICER REPORTS XXXX XXXX XXXX HAS NO CONTACT NUMBER OT INVESTOR WELLS FARGO BANK IS SERVICER. WELLS FARGO BANK REPORTS TO HAVE REMOVE DEED FROM MERS XXXX AND FOR TWO YEARS PLUS SENT DEED TO XXXX XXXX XXXX TO REVISE. WELLS FARGO BANK / XXXX XXXX XXXX REFUSED TO PROVIDE PROOF OF PROMISSARY BNOTE BUT TRYING TO FORECLOSED ON PROPERTY WITHOUT DOCUMENTATION OF PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Second complaint ( original XXXX XXXX Wells Fargo did not address the initial complaint filed on XXXX with the CFPB. 

The complaint is that Wells Fargo notified originally notified deed holder of the initial auction date of XXXX XXXX, XXXX to be held in the XXXX court house in XXXX XXXX. This notice was served to the deed holder and notarized by the XXXX. At this point, there was no notification from Wells Fargo of a change in auction date as required by law ( state and federal ). At that time, Wells Fargo was ( according to law ) to change the deed into their name regardless of the auction taking place or anyone bidding ( that is the law ). 
They did not. 

Next notification from Wells Fargo was in XXXX of XXXX stating a new auction date was set ( this violates the deed holder notification guideline which states deed holder has to be notified PRIOR to the set auction, which was in XXXX XXXX ). At that XXXX XXXX auction, legally the deed should have been out of XXXX XXXX 's ( deed holder ) name in XXXX XXXX since no notification was given to XXXX XXXX ( deed holder ) of the auction date being change, per LAW. 
This is what our complaint is. Because of this, we were unable to qualify for FHA home lending, or conventional lending ; the date of the foreclosure is marked by when the deed is taken out of the foreclosed on 's ( deed holder ) name. That should have been XXXX XXXX. Instead, because of Wells Fargo not following the guidelines or law of the State of Idaho or federal guidelines that date of foreclosure was n't recorded until the following year at a different auction. 

The information Wells Fargo provided on complaint XXXX did not address this complaint, and did not address that notice of auction in XXXX XXXX. In fact, Wells Fargo neglected to present that information and manipulated their report and the information they provided ( which we 've provided them ), omitting what they wanted in order to support THEIR case. Wells Fargo has neglected to acknowledge the actual complaint we filed in complaint XXXX with the XXXX XXXX XXXX XXXX XXXX. The resolution we request is to have a correction of deed recorded with XXXX XXXX. If that is not possible, then financial compensation in the form of a fine since their inability to do their job according to the LAW prevented XXXX XXXX from financing a new home loan.

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 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. The Pick A Pay Loan Disclosure WAS NEVER SIGNED more then once. This is fraud that needs to be addressed. 
2. I am faithfully addressing the issue by requesting Wells Fargo Home Mortgage to accept a Certified Affidavit for Forgery Signature from a Handwriting Exert. 
3. I am requesting the address of were I can send my Certified Affidavit for Forgery Signature and name. 
4.Wells Fargo Home Mortgage will send me copies of documents but when I ask for a exact answer about a document Wells Fargo Home Mortgage over many months will not answer my question or give vague answers. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
5. I am not getting the answers to my questions I am requesting the mailing address of the CEO of Wells Fargo Home Mortgage in order to correctly address my loan concerns. 
6. I am now requesting the direct contact number to the fraud department Wells Fargo Home Mortgage.

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