vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In XXXX I received a letter from Wells Fargo stating that I had requested loan assistance. I had not so I contacted XXXX XXXX who sent the letter and he never responded. Then I received notice stating my home was going up for sheriff sale on XXXX XXXX, XXXX. I hired lawyer and she found a XXXX XXXX was handling the sale, she reached out to him and he would not respond. I got a stay on the sheriff sale until XXXX, however Wells Fargo has not provided any of the information I requested even after several visits to their branch. Now I am being told that the loan history and documents may take another week to receive and this has been going on since XXXX, XXXX. I have numerous documents regarding this issue and have spoken with the Wells Fargo Branch Manager in XXXX XXXX Delaware. Now Wells Fargo is telling me that I could file a request with their Office of the President in regards to this matter. Also this whole foreclosure situation was started in XXXX and no one has sent me a collection letter or a statement in regards to this loan in over 8 years. All I want is to stop the sheriff sale of my home and find out what is going on in regards to this loan which they say I owe {$140000.00} on and keep my house. This situation is so complex even my lawyer and the branch manager are confused by what has taken place. I have many documents to support my issue but I am not able to upload them to my computer because I do not have a scanner and several of them are XXXX-XXXX pages long. I know these documents would help however I can provide them by mail if that is possible.

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 2015-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I wish to file a complaint against Wells Fargo Mortgage Company ( WFMC ). I have been with WFMC for eight years. I understand that the mortgage is due the first of each month, and a late fee is assessed on the fifteen of the month. I normally paid my mortgage around the fifth or sixth of each month and I never received a letter or a telephone call from WFMC indicating that the mortgage loan is late and the company is trying to collect a debt. 
XX/XX/XXXX-XX/XX/XXXX, I contacted WFMC for a loan modification. The loan was granted and it was mentioned to me that I was a good customer. Nothing has changed, I continue to pay the mortgage around the fifth or sixth of the month. Since I have received the loan modification, WFMC have been calling me on the second, third of each month indicating that they are attempting to collect a debt. The company never did this before. Because I received the loan modification, I guess WFMC assume I am a " High Risk '' customer. 
These harassing telephone calls are very annoying, and I request that they cease calling me. Should I not pay my mortgage before the XXXX of the month, then I can understand WFMC contacting me. 
I would like to know if WFMC contact all of their mortgage customers that does not pay their mortgage by the first of the month or do WFMC just contact the loan modification customers indicating a debt needs to be collected.

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 — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.

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 2015-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo offered me a loan to finance a car several years ago. The rate was 23 %. I signed the loan. The car after XXXX years became worthless. I relinquished the car. They took it back. That was about XXXX years ago. They then went to XXXX when I tried to have the write off removed from my credit and began reporting it again in XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My father passed away in XX/XX/XXXX. I inherited the residential property he owned but was not the debtor on the property. I paid the mortgage to Wells Fargo after my father 's death as I was living in the property and I, after his death, held title to the property. Then in XX/XX/XXXX, I tried to refinance the mortgage loan as I was paying the loan but could not take advantage of mortgage interest deductions as I was not the debtor on the property. The bank my parent was associated with, XXXX informed me of a new ruling through the XXXX that would allow me, the son and inheritor of the property, to become the obligor of the debt without going through the process of application necessary when assuming a loan, as while paying the loan, I was unsure as to my ability to qualify for the loan and an associated home equity loan I was also paying, through regular channels. However, when I contacted Wells Fargo, they were less than helpful and have remained less than helpful. On XX/XX/XXXX I wrote to Wells Fargo and referenced the ruling of XX/XX/XXXX namely Application of Regulation Z 's Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest ; I attached the complete ruling to my certified letter to Wells Fargo Home Mortgage. Wells Fargo requested and received by Fax on XX/XX/XXXX : XXXX XXXX for my father, XXXX transfer at date of death, Quit-claim deed, and associated papers describing the property. However, even after all of the evidence of my ownership of the property, Wells Fargo continued to address letters in reference to my claim to my deceased father. They refused to honor the XXXX 's ruling to allow me to become the obligor, instead, they have continually said they would only allow me to make an " assumption '' of the mortgage loan through regular channels. I have spoken to them numerous times on the phone, the last being when making my most recent mortgage payment, when they again offered this option of assumption. Recently I was informed that the property insurance on my home was being cancelled in XX/XX/XXXX as the property debt is still listed in my deceased father 's name ; this situation is causing me great distress. Wells Fargo is disregarding XXXX and violating a XXXX even though they were advised of the ruling and of my willingness to become the obligor.

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 2016-03-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is another concern with my Wells Fargo Modification Agreement, copy submitted in CFPB case # XXXX on XX/XX/XXXX. 

My Wells Fargo case person for this modification was XXXX XXXX, that required I remove my brother from my deed, which was only beneficiary reasons, being widowed and XXXX, and fax a recorded copy through a WF branch, before any Loan Modification agreement could be done. I did this on XX/XX/XXXX see att 'd. 

When this Modified agreement came with my brother name XXXX XXXX on it, I contacted XXXX, he stated their was n't enough time to resend to meet the XXXX XXXX deadline. Agreement dated XXXX XX/XX/XXXX sent via mail to me told not to sign and returned Mail Workflow show XXXX XXXX. He said his name would be automatically dropped with the Quit Claim Deed recorded XX/XX/XXXX 

This has never happened, and know XXXX in Payoff or Preservation over the four ( 4 ) years have been able to resolve.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.

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 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fraudulent issuances of credit card. 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 monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.

Company response to consumer: Closed with explanation