vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
After filing a complaint with the CFPB, my foreclosure date was postpone and XXXX XXXX Executive Mortgage Specialist Representing Wells Fargo. XXXX XXXX used stall tactics with the paperwork submitted for a short-sale by reassigning the paperwork submitted by XXXX and XXXX XXXX 4 times within a month which by a realtor is very unusual. I received a phone call from XXXX XXXX saying a decision has been made and they ( Wells Fargo was turning down my request for a short-sale due to deadline date was not met and a home loan modification because insufficient funds. Now I know there was no deadline date for the short-sale paperwork to be turn in. I was never notified of this date. This is not fair to me the consumer nor to me as a veteran. I am participating with all that is given o me and to be turned down just because the executives of Wells Fargo wants me gone is unfair. Please do something. I have contacted the legal Bureau as instructed by one of your representatives and I am awaiting on their call either today or tomorrow. I am re-submitting all paperwork sent to them, back to them by fax starting XXXX XXXX, 2016. I still need your assistance to stop another foreclosure date for being place on my property again. I also need Wells Fargo to accept the short sale package given and review the paperwork/ Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I attempted to send monies to my nephew for XXXX on XX/XX/XXXX for {$500.00}. the monies never reached the account I sent it to and I never got the monies back into my account. I have attempted on numerous occasions to contact their wire transfer department and got no resolution for my complaint. Wells Fargo never informed me that there was an issue and that monies was never received. I have gone into the bank now since XX/XX/XXXX and have not gotten an answer as to where the funds are and why they have not been replaced back into my account. I have met with a bank manager who is not getting the correct answers to my questions nor has he been able to find out how I can get the funds returned to me. It is now XX/XX/XXXX, I returned to the bank today and have not recieved the funds into my account nor have I gotten any action as to Wells Fargo 's attempt to return the funds. Every time I go in and speak with someone in the bank they make a phone care to XXXX and nothing gets done. Funds are still missing from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers

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 2016-07-24 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week

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 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
Franklin American Mortgage is neglecting my account causing me to pay more on my house payment every month for the past 7 months. Franklin American Mortgage made an error about 8 months ago. They pulled money from my escrow to pay my insurance. They sent the check to the wrong insurance company and the check was mailed back to my mortgage company ( this was stated by the first rep I spoke with after calling about my monthly payment increasing ). They never put the money back into my escrow. The Franklin American Mortgage Company then pulled out of my escrow 2 weeks later and paid the correct insurance company. This caused my escrow to have a negative balance ultimately making my house payment go up from {$760.00} to {$900.00} per month. They have admitted to the problem several months ago and I have called numerous times, but they are still making me pay the {$900.00} per month and they have never reimbursed me for the past 7 months overage I paid that has accumulated to over {$1000.00}. In XXXX 2016, I called to check on the status of this and they said it would be resolved by XX/XX/XXXX. The rep stated this was the date the ticket was set to be resolved. I called on XX/XX/XXXX and once again got the " run around ''. I was told to " call back on Friday ''. I was then told in XX/XX/XXXX that it will definitely be resolved by XXXX and it is now XXXX XXXX, 2016. I have seen no check with a reimbursement and my house payment is still {$900.00} instead of what it should be. Every time I call, I get nowhere. I have asked to speak to a manager and was denied. Instead, the rep said she will call her manager and get back to me. I have been patient for 8 months now and I am writing press releases that will be submitted with my honest review of Franklin American Mortgage. I am going to show Franklin what a frustrated XXXX guy can do. Why do I have to suffer financially for a mistake that this company made? I understand if it took 6 weeks or so to resolve, but 8 months? {$140.00} extra each month for the past 8 months adds up. I dont have the full amount to pay for XX/XX/XXXX and that will affect my credit because this company refuses to fix their mistake that they have even admitted to making. I am sure I will get this taken care of now that I submitted on XXXX and after I submit to CFPB. The only reason it will be taken care of is for online reputation protection which always escalates issues. I was so patient with you guys and I understand mistakes happen, but this has gone on way to long without being resolved. I have wasted hours of my time explaining to a new rep every time I have called back. I have even been told the rep would call me back which never happened. I have been told this is negligence and causes financial distress which can lead to pain and suffering. I am at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for HELOC loan with Wellsfargo Mortgage. Submitted all the documents necessary and proof of savings to cover upto 6 months of expenses in case of change in financial situation. We have had no other payments except for mortgage. Based on affordability calculators online, I qualified for the loan. 

WellsFargo rejected my application with reason " We do not offer the type of credit or the terms you requested. Amounts owed are too high relative to your income ''. 

Next week I applied for the same loan with my local XXXX XXXX XXXX and within 21 days the loan was approved. 

I feel WellsFargo is discriminating. I do n't understand how could WellsFargo reject my application while XXXX XXXX XXXX approve the 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 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST

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 2016-09-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.

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 2015-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
After a fraudulent check was deposited into my account, the bank closed my accounts and started to proceed against me as though I created the check and was attempting to defraud them. I have banked with them for over 25 years. Despite numerous attempts working with branch managers to try to resolve the issue and restore the money for the check, Loss Prevention and Collections have acted to close my accounts, leaving a balance unpaid. I have tried to pay that balance, my brother has, my sister has. I even came into the bank with cash to pay it, and was told no. I have been told everything from they are taking that amount out of my XXXX Social Security check to they will release my check and anything in between. They rejected my SS check after telling me that they will accept it to pay off the balance and give me the balance. I have been treated rudely, with extreme disrespect. They have reported the incident, and they have refused to give names and positions when I speak to them so I can document what was said by whom. Now I do not know WHERE my SS check is, and the bank will not help me.

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 2016-09-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I received a flyer in the mail about being pre-approved for a loan of at least {$400.00}. I applied for the loan online at bigpictures.com, within 10 minutes I received a phone call from a rep at big picture loans. I was informed I was approved for a {$800.00} payday loan and my interest would be {$280.00}. Total loan amount {$1000.00}. So I agreed to that term which seemed fair. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure was not visible at the time I accepted this loan and the loan had been processed and funds deposited in my account, it showed a APR of 739.9891 % making my total pay back amount {$6800.00}, finance charge amount is {$6000.00}. Big picture loans has debited a total amount of {$840.00} from my account my past three paydays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
As a small business I went to my bank ; Wells Fargo to obtain a credit card machine and a account to perform credit transactions, the person in charge of the process to obtain this service went over the paperwork I was signing never mentioning that there was a required monthly usage of {$3000.00}. or that what I was signing was irrevocable. At the first month of my service I used the machine twice totaling {$450.00}. and then got a {$500.00}. fine from Wells Fargo, with them explaining this unspoken requirement. I at that point in my business had n't made {$3000.00}. total in one month yet so I asked why it was never mentioned, so after a exhausting process of sending their machine back and canceling all my agreements pertaining to this service I was informed that Wells Fargo was going to take {$38.00} a month out of my accounts for the next 4 years as the rent agreement on the machine was " irrevocable '' whereupon I responded that I was never made aware of this clause when the person at the back did the paperwork with me and could I talk to him. The bank told me he was fired due to fraudulent practices. I then said that I was never made aware of this issue and that it was " My tough luck '' because I signed the paperwork they had every right to take the {$1800.00}. out my accounts over the next four years. I took this issue to the State of New Mexico Attorney 's office and they said " we never told you this '' even though the fired employee probably was the reason for the issue " I signed the papers therefore I am 100 % libel for whatever they said and that I needed to " XXXX '' and pay it. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Forgive the tardiness of this complaint, but I just learned this week through reading the XXXX XXXX XXXX that the CFPB works with banks to resolve customer complaints. Until now, I did not know what recourse I might have for the fraudulent behavior of Wells Fargo Bank. 
In XX/XX/XXXX or XX/XX/XXXX, my partner and I refinanced our mortgage on a property we own in XXXX XXXX with Wells Fargo. We made a point to confirm that there were no prepayment penalties associated with this new mortgage. At the time, the Wells Fargo representative aggressively pushed a home equity line on us, even though we did not need it, want it, or ever intend to use it. Since he said it would cost us nothing, and he was so insistent, we reluctantly accepted it. 
In XXXX XXXX, we refinanced our mortgage again, but with a different lender. When it came time to close on the new loan, Wells Fargo refused to terminate our existing mortgage unless we paid a {$500.00} termination fee for " early termination of our home equity line '' - which we never used, and as stated above, never wanted. Both my partner and I communicated our complaints to the appropriate people at Wells Fargo - to no avail. Since we did not want to jeopardize our new mortgage application with the new lender, we paid the {$500.00} to Wells Fargo. 
We believe that XXXX XXXX, " Home Mortgage Consultant '' at Wells Fargo at the time, fraudulently induced us into accepting the untapped home equity line. We would appreciate any help that CFPB can give us to persuade Wells Fargo to refund the {$500.00} termination fee to us. 
I have attached a copy of the Wells Fargo payoff demand dated XXXX XXXX, XXXX and our email correspondence on XX/XX/XXXX and XX/XX/XXXX with various employees of Wells Fargo ( including XXXX XXXX ) regarding this issue. Please note that my name and that of my partner are listed as " customer '' on the payoff demand statement and that both of us corresponded with Wells Fargo in the attached email thread. 
Thank you for your consideration.

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