vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.

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 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had trouble getting employment and ran behind in paying my mortgage. 
I contacted my mortgage company Wells Fargo to try to qualify for a modification. 
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to them.

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 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Tried to get the loan modified with Wells Fargo many times. Each time we would be give trail payments, we paid on time. Once we compeleted the trail payments we would be told that there was paperwork missing or there was a problem with the loan. Each time we cleared up the issues. we were told that Wells Fargo would reinstate the loan, then we get a phone call from a totally different Rep. stating that the mortgage could not be modified because the value of the property had increased in value.

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

Complaint narrative:
i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive

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 2016-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not 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 monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,

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 2015-12-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: KY

Complaint narrative:
Franklin American Mortgage is serving my 30 year fixed loan. Property was new construction so escrow shortage for taxes was expected. Paid for escrow shortage on XXXX/XXXX/XXXX ( total of {$3500.00} ). Received escrow evaluation in XXXX of XXXX. Was informed that funds were not applied to my account. Faxed confirmation that funds were sent on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX lender has not applied funds to my account and mortgage payment shows as much higher amount. First American has never called to update me and every phone call turns into 30 minutes and having to start the conversation from the beginning. I 've requested to talk to a manager but I simply get placed on hold until I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Over the past two years I have requested information from Wells Fargo concerning what I believe to be inappropriate steps leading to the foreclosure of my home and ultimate sale. I have requested information on the number of homes foreclosed and sold in certain geographic and census tracts. I feel that my loan was not considered for a modification appropriately. The only remaining need for consideration for a modification was a statement that the utilities were on at the location. I provided Wells Fargo with a statement from the utility company with the service location noted. The utility company mailed the statement to my XXXX. The XXXX is listed on my Wells Fargo Account and has been listed for 5 -7 years. I provided Wells Fargo with the reinstatement letter on the day of the sale. This was the exact same information I provided to Wells Fargo 30 days prior. I believe Wells Fargo for a cancellation on the sale. Wells Fargo refused to post pone the sale. Based on the history of behavior, I believe my home along with others that were located in transitional economic areas were targeted to be sold to a subsidiary of Wells Fargo and thus taken off the books. I am requesting information on the number of foreclosures, in the year XXXX and XXXX and the geographic location of these foreclosures.

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 2015-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a complaint my # is XXXX I receive some documentation from my Mortgage Company That they must clear up. I am forwarding the document to you after I explain how fraudulent they are. 
This letter dated XXXX XXXX 2015 states they were contacted on XXXX XXXX 2015 for a payment {$850.00} to be made on XXXX XXXX this is FALSE TOTALLY FALSE. The mortgage payment will be paid on XXXX XXXX 2015 IN THE AMOUNT OF {$850.00} TWO DAYS AWAY. I WOULD NOT HAVE CALLED ON XXXX XXXX 2015 to make a payment that is going to be paid through my bank in two days on XXXX XXXX 2015 that is schedule procedure every month. 
On XXXX XXXX 2015 the payment was made through as schedule and arrive at America 's Servicing Company on XXXX XXXX 2015. 
On XXXX XXXX 2015 the Bank fraudulently create an electronic check to my bank for {$850.00}. I was now in the negative and was charged {$30.00}. 
On XXXX XXXX 2015 they again entered the same check and again I was still negative and another {$30.00} charge to my account. 
On XXXX XXXX the check was entered again and I was charge {$30.00}. 
This Electronic check should not have been done they were paid the Mortgage on XXXX XXXX as schedule for my payment each month through the bank. 
Copies of the documents will follow. 
I am so tired of been Harass and threaten by this bank. I purchase this house for my MY PRIMARY HOME DURING MY RETIRED YEARS AND MY MORTGAGE IS MY FIRST AND FOREMOST GOAL. 
I AM EXPERIENCING A FINANCIAL STRUGLE AND I ENTER COUNCELING I REQUEST A MODIFICATION OR REFINANCING AND HAVE BEEN TURNED DOWN ALWAYS. 
MY INTREST RATE IS 8 % AND THEY REFUSE TO LOWER SAME FOR ME. THEY ONLY HARASS YOU AND TREATHENED YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not owe any GA state tax liens, this is inaccurate information listed please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a letter from Wells Fargo saying that the volume of activity on my account was suspicious and if it continued they would close my account. I stopped using the card the day I received the letter, but they still closed my account. I would like for the account to be reopened.

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 2016-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI

Complaint narrative:
After having unexpected expenses in XXXX 2015, I fell behind on my mortgage. My mortgage is new and I am the only one employed in a household of XXXX. I have applied for help 4 times and denied for various reasons, one being I need to show an INCREASE in income. The only resolution they gave is to pay 2 payments a month which would be XXXX, almost XXXX of my income. I since applied to XXXX the hardest hit fund for assistance and was told the only issue that will result in denial is that my servicer is not a participation lender in the program. I was told to contact mortgage company and request they participate, their response was no! I looked further into the program as I could n't believe a mortgage company would n't accept funds to help prevent foreclosure from a federal program. I found that my servicer was a participant in other states including XXXX, XXXX, XXXX and probably more. I need help to catch up and I want to keep my home. I have no intention to let my home be taken away from me and my family. I have since addressed the new information with my servicer and was told " they will get back to 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 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I am the victim of a financial fraud/scam. The perpetrator is now in prison. However, I am having issues, trying to resolve the financial fallout, with my bank ( Wells Fargo ) and Title Insurance Company ( XXXX XXXX ). I purchased an investment property that has a clouded title, but my title insurance company will not provide me with full coverage ( full legal defense ). In addition, Wells Fargo appears unwilling to work with me to unravel the financial damage of this fraud/scam I was a victim of. Please let me know if there is anything you can do to help me work through these issues with the bank and the title insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.

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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Related to Wells Fargo Complaints : In approximately 2009, we decided to refinance our 30 year conventional mortgage, because the interest rate on our then Wells Fargo Mortgage was quite high. We applied to refinance the mortgage with Wells Fargo, because they were familiar with our good payment history. At that time we had over XXXX percent equity in our home. Wells Fargo tried to convince us not to refinance. They finally agreed to refinance at a lower interest rate, but only if we agreed to pay mortgage insurance for at least one year. Given that we had over XXXX percent equity, we were not borrowing against the equity, and we had never fallen behind in our payments, we inquired why we would be required to take out mortgage insurance. We were advised, given the current financial crisis, anyone taking out a mortgage with Wells Fargo was required to take out mortgage insurance and that we could apply to have it removed after making one payment under the new mortgage. We were told, however, that Wells Fargo would likely continue to charge the mortgage insurance for a one year period after receiving our application to have it removed. So, we declined to accept the terms and conditions with Wells Fargo, and refinanced ( with no mortgage insurance required ) through our local credit union. We believe Wells Fargo was bilking people with good credit and mortgage payment histories, out of money by charging for mortgage insurance that was unnecessary. The bank was likely pocketing the money -- or a portion of that money, perhaps in collaboration with mortgage insurance companies.

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