vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo foreclosed on my home and it was sold back to them on XXXX XXXX XXXX. It was valued at XXXX and was purchased for XXXX. The amount we still owed was approximately XXXX. I separated from my husband in XXXX XXXX. He allowed our home to go into foreclosure without my knowledge. I called Wells Fargo around XX/XX/XXXX and that 's when I learned about the foreclosure. I was told the loan status was going from pre forelosure to foreclosure. The right to cure had passed already in XX/XX/XXXX with no action from my husband and I could not be granted the opportunity given to him to cure the loan. I gave the representative my current mailing address where I could be served any papers and my contact info. I still have not received one piece of paper on this foreclosure, the sale, or have I ever received notification of any kind.I was told by the county recorder In XX/XX/XXXX they used publication in a newspaper to notify me when they had my address to serve me 2 months before this. I was trying to sell the home but was blocked from doing so by my my husband 's refusal to allow the realtors to show it. I was told I must pay the full balance to bring my home out of foeclosure. A wells Fargo rep told me that home loan modification was for those staying in their home not selling it. I did n't realize it would have bought me some time to sell the home. I learned of the sheriff 's sale in XX/XX/XXXX by realtor XXXX XXXX, a realtor my husband hired in the XXXX hour, who opted to not actively sell the home due to the pending sale. I was passed from person to person within the Wells Fargo mortgage department and their local law firm. The home is in a hot selling neighborhood and if given some more time to remove my husband I could sell the home and receive back my nearly XXXX in equity. I was told by the XXXX brown law firm who represented the bank to send the delay of sale to Wells Fargo mortgage help by fax ultimately it was denied and the sale continued. I later learned the request should have been sent to the sheriff 's office. I was a XXXX XXXX XXXX on a full scholarship when i separated from my marriage so I simply could not afford an attorney. My name was on that loan and still to this dayI have never been served or mailed anything on the foreclosure, sale, mediation ect.. I understand publication can only be used after a diligent search and they had my address for two months at the time they published my name. I was mislead about loan modification and the bank never worked with me to find a solution. My equity was a substantial amount and I feel I have been cheated out of it! I am located in Iowa

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 2015-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Applied for a loan for a morgatge, found a false credit card under husbands name inhibiting us from acquiring a morgatge loan. Turned the false account into XXXX and Wells Fargo to be resolved, XXXX removed the account right away, no problem. Wells Fargo has been giving us the run around, been very rude and un-helpful. Has been several weeks and still is not resolved or removed. Wells Fargo can not find the account under my husbands name or social, but are still reporting it to the credit bureau. This is not only false information, but Wells Fargo ca n't provide documents proving my husbands connection to this account and I feel are refusing to help sort this situation out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have previously filed a complaint concerning my treatment by NFCU. Sometime after filing my complaint, they agreed to a {$23.00} XXXX dollar settlement. I have previously been behind on my mortgage, while waiting on the XXXX 's XXXX to grant my XXXX claim and subsequently was rated at 100 % XXXX. My wife is now seriously ill with XXXX XXXX and we are falling behind once more. They have not changed their practices at all. They either have done or are still doing everything voiced in the complaint. I could use my settlement money to get caught up with them, but they are extremely tight lipped about the settlement, and will not even confirm that I am on their settlement list. In my previous complaint to the CFPB and XXXX, they just deflected and lied. Why is this allowed to continue? In the section below, I have had a problem with all XXXX choices, and it will only let me choose 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 2016-05-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add " points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months, Wells Fargo sold my mortgage, rendering the card useless to me. 

Then, without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told " There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time.

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 2016-11-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received an email from Wells Fargo on XXXX XXXX, 2016 that my overdraft protection Credit Card needs to be activated by XXXX XXXX, 2016 else my overdraft protection will be lost. As I solely use this card for overdraft protection, I never activate it and shred it immediately when I receive it. I called Wells Fargo customer service to try and deal with this issue, and explained to the representative that the card is not stolen/lost. The representative then said he needs my full Social Security number ( which was suspicious ), but I provided, and then he said your new account/card will be mailed to you within XXXX7 business days and immediately hung up. I did not request a new account, and did not give this Wells Fargo representative permission to open a new account, but it appears he did anyways. I am filing a formal complaint with Wells Fargo themselves, but want this type of behavior to stop and would like to file a complaint with the CFPB.

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 2016-11-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.

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 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a house located in XXXX PA, my ex wife and I got divorced approx. 3 years ago. XX/XX/XXXX we placed a our house on the market to be sold, the process was going to be a short sale. The mortgage lender is Wells Fargo. The realtor is through XXXX. I had a buyer with in a week of it being on the market. The buyer agreed to pay XXXX and had a third party appraisal, appraisal came back at XXXX was appropriate. Wells Fargo did appraisal of XXXX. The realtor did comps in the area and XXXX is appropriate. The house needs work and XXXX is too high. I have documentation from other realtors stating the XXXX price is too high. Please see the attached documentation. Wells Fargo is demanding the house to be sold at XXXX and if not they re going to proceed with foreclosure. Wells Fargo is double dipping if it goes to fore closure. The have insurance for this reason then they ll turn around and sell the home. Also I work for the government and being this is a FHA loan its going to effect my employment. All this because Wells Fargo is refusing to expect the area prices of the homes in the area and is holding me hostage on a price that is unable to be achieved. The communications between the Wells Fargo and the realtor and the seller is horrible. They have dragged this out for approx. 6 months just to push into foreclosure is not right.

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 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I asked for a full disclosure from America Servicing Company and they have not answered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Windham Professionals, Inc.
State: TN

Complaint narrative:
Called my place of employment, at which I have only been employed at for 6 weeks, I have never used the phone number of employment on any documents, so how they know I work here befuddles me. I am not behind on any debts and I do not have any student loans. I also have received calls at my home and on my cell phone that were about student loans, but I do not have any student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently in review for a modification again with Wells Fargo Home Mortgage. I have submitted XXXX prior applications and have been wrongfully denied for reasons that are false and fraudulent. I have been induced to default, relying on the instructions of the bank to assist me in refinancing or modifying my high int rate mortgage. I have an open case with the XXXX Bureau of Consumer Affairs, and Keep Your Home CA, while applying yet again to WF for review after THEY contacted me to reapply all the while they are DUAL TRACKING for foreclosure as I was just notified by a collections agent XXXX XXXX and XXXX XXXX XXXX as to foreclosure proceedings. Wells Fargo tells me that XXXX XXXX XXXX is the " private investor '' on my mortgage, but that is not legitimate as to a bank being a private investor. Wells Fargo and XXXX XXXX XXXX are in violation of the Fair Debt Practices act as well as they have not submitted verification of the debt or the right to collect the debt, but all they while intentionally inflicting financial and emotional harm to me, my profession and my property as I have equity and they refuse to work with me. I also cured the prior default with my retirement funds as Wells Fargo said that in doing so I would be able to refinance or modify, however upon doing so they told me again that that was n't possible or qualifiable as I had " defaulted '' ( based on their instructions in order to qualify for assistance ). Now I am being dual tracked even tho I have open case files with the XXXX entities listed above. I have NPV reports on past applications as to being wrongfully denied for HAMP, and a timeline going back to 2009 with all the representatives I 've dealt with both thru Wells Fargo, my congressional rep, XXXX, the XXXX, and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
PLEASE HELP : This is NOT related to current allegations/litigation ( accounts being opened ) against Well Fargo, but SOMETHING NEW, that I believe you are not aware, according to Wells Fargo Executive Office themselves. 

I just got off the phone with their EXECUTIVE OFFICE, specific to a complaint I filled with them via email and once again, they admitted that they violated their own BILL PAY policy and unjustly profited by charging me overdraft fees. 

I also received confirmation with them that this phenomenon is UNRELATED to the current lawsuits/claims and has never been litigated. 

The problem is SYSTEMIC and over the past 3 + years, they have profited XXXX of dollars off of me in contrived illegal overdraft fees. 

What makes it doubly unfair is, when you complain, they might refund some fees with admission of guilt and apology but, they only GO BACK 3 or 6 Months ( 6 if you press them ), because that 's only as far as their " system will allow ''. This means THEY KEEP ALL THE MONEY THEY STOLE - knowing it is illegal and against their own policies - if it was beyond 3 or 6 months. 

I for one, have been victimized by this, what I believe to be a deliberate scam, or at minimum, a deliberate indifference toward what they know exists and no doubt, there are XXXX of XXXX, if not XXXX, that have as well. 

THE BANKING SCAM/ISSUE : Wells Fargo has a BILL PAY FEATURE that they make available to all customers. They will send out a check on your behalf to your designated BILL PAY RECIPIENT from any XXXX of your linked accounts if funds are available. Check sent is equivalent to a Cashier 's Check. HOWEVER, when you do not have enough available funds, they routinely and historically will send out the check anyway - even if the account is overdrawn - so as to charge you a non agreed upon {$35.00} overdraft fee. 

THEY ADMIT THAT IT IS AGAINST THEIR OWN POLICY AND ILLEGAL. 

This practice dates back many years and is systemic. I have personally suffered loss of XXXX of dollars from multiple accounts combined. 

Please help. 

XXXX, Ca 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 monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In Wells Fargo Bank , N.A . Wells Fargo Dealer Services response, they state that WFS Financial " changed '' its name to Wachovia Dealer Services, then Wachovia Dealer Services " changed '' its name to Wells Fargo Dealer Services. Wells Fargo is implying that the word " changed '' in the " name changes '' they state is not exact or alike the terms used in the contract, or that they can just give a reason and the reason dissolves that term as used in the contract. This is what is stated in the contract right above my first signature it states, Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract are enforceable. Copy is attached. 
Wells should admit they did wrong. Because who would believe that any term in a contract can be avoided by just changing a name, then take all the money or property associated to the contract, how easy they have it. Then just punish the consumer by reporting to XXXX the false information. # XXXX response to Wells Fargo 's response

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I was in the process of secure financing to buy out my lease ending on XXXX XXXX, 2015 from XXXX XXXX XXXX. I leased my vehicle from XXXX in XXXX and recently relocated to XXXX, with the intention of purchasing the vehicle at the end of the lease. I contacted Wells Fargo Financial Services The Wells Fargo Inbound Sales Specialist, XXXX XXXX, informed me that if I went through Wells Fargo for financing, not only would they help get me a competitive interest rate, they would also take care of the title, registration, license plates, and tax payment. On XXXX XXXX, 2015 I made an appointment with the Wells Fargo Inbound Sales Specialist to finalize this loan at a local Wells Fargo branch in XXXX, XXXX where I would be speaking with a local Private Banker, XXXX XXXX. During the contract review process, I was informed that I would be financing {$15000.00} for the payoff as well as sending separate checks to Wells Fargo in XXXX, XXXX who would be taking care of the tile, registration, license plates, and tax payment directly with the State of XXXX and XXXX XXXX XXXX. The Private Banker as well as the Inbound Sales Specialist, XXXX XXXX, informed me that I would be receiving the registration, title, and license plates by mail and that I could expect these between 7 - 14 business days. On XXXX XXXX, 2015 I still have n't received the registration, title, and license plates so I contacted the Wells Fargo office in XXXX, XXXX to learn that there was an internal issue with the paperwork and that they were sending my checks back to me, where I would need to take care of all the paperwork on my own. On XXXX XXXX, 2015 I received a phone call from the Inbound Sales Supervisor, XXXX XXXX, accepting responsibility for the issue and apologizing, but that nothing can be done and that I would need to take care of all on my own. This situation has me believe that I was sold a service that was not part of the original agreement secure financing and interest by misleading me. I do have email correspondence between all parties listed above and myself, indicating that the paperwork would be taken care of by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?

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