vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.

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 2017-01-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Recently Wells Fargo offer me XXXX steps refinance no closing cost. Wells need to provide breakdown analysis. They misinterpreted whole refinance, afterward increase my monthly payment.

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 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am in process of loan modification, and there has been Mortgage fraud in behalf of my Mortgage Bank, I have been trying To modify and Settle my Mortgage, however bank has been taking its time and not trying to help me, and now my house is scheduled for auction sale. My bank who is Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value.

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 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation,

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

Complaint narrative:
I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My loan is a former Wachovia Mortgage now my servicer is Wells Fargo Bank. I am employed by XXXX XXXX through University of XXXX XXXX. I was on XXXX and workers comp and I informed Wells Fargo early in XXXX that my employer made a mistake in my payroll and for 3 months I was not paid. However, Wells Fargo stated over the telephone that I did not qualify for a loan modifications and that I had to participate in repayment plan to pay the arrears that payment was {$5000.00} for 3 months, the regular mortgage payment was {$3500.00}. In XXXX XXXX, I returned to work and did not receive a pay check, again I informed Wells Fargo Bank about the discrepancy in my pay, this time they threaten me with foreclosure and stated again that I did not qualify for mortgage assistance. I filed a complaint with the Executive Office on Monday XXXX/XXXX/XXXX, for Wells Fargo about their resistance to review me for a loan modification, I received a case # XXXX. However, when I called back to Wells Fargo and spoke to a XXXX XXXX in the Executive Department who said the only thing he saw was that I was sent to foreclosure and saw no complaint. Then began a flip and condescending conversation between he and I. He seem to take delight in my being upset and never once offered me mortgage assistance in the form of a application

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 2015-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Loan were charge off, went to collection ... had settle in full with collection but original collector continue to report after settlement. ITs not accurate report, please remove/delete loan from credit bureaus.

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