vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.

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 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My husband and I both have made several calls to Wells Fargo trying to get this matter resolved in a respectful manner, especially considering that they 're at fault. It was brought to our attention from our mortgage broker that Wells Fargo incorrectly reported information that has severely impacted our credit score. Not once in the past 8 years of owning this home have we been late nor missed a payment, as our record will prove. It was during the mortgage process that it was brought to our attention that Wells Fargo reported a 30 day late on our credit report back in XXXX. We were speechless and immediately tried to understand how and what happened. For eight years, we 've never had a problem. After numerous dead ends and roadblocks, our issue was escalated to their executive customer service department. This is where our communications with the supervisor, ( I 'll leave unnamed ) began. Upon further research, they were able to identify the issue. This mortgage is for a vacation home that we have. Our statements have always been mailed to our primary address. During this time, we moved and we updated our new mailing address on the back of a statement. This is typical procedure for updating your records. As it turns out, someone at Wells Fargo incorrectly inputted the address change and that is what caused all of this. We never received our statements as a result of this clerical error on the part of Wells Fargo. They were off by one number updating our new address. The supervisor then stated that she would escalate the case. She called us at the XX/XX/XXXX to tell us that they were still evaluating the case but to this day we have yet to hear back from her or anyone else. I 'm now unable to get a hold of her when I call. We are now unable to refinance our home due to their mistake which they acknowledged and admitted to. Wells Fargo is now the only negative we have on our reports in the last 20 years. I have proof of my statements with one being the incorrect address and after they corrected their mistake, one with the correct address. Any help would be beyond greatly appreciated as this has really had quite an impact on our lives. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has foreclosed on my mortgage loan and is trying to take possession of my home without having given me the proper opportunity to modify the loan ; nor did they submit subsequent notices as required by law ; and they used Atty. XXXX XXXX an employee and attorney for XXXX XXXX XXXX claiming to be a XXXX representative to fraudulently assign the property ( ROBO signature ). 
Though I have taken this complaint to Appeals Court, the issue was never answered in response to my original complaint : That nothing in Wells response shows they qualified or considered me for XXXX ; Wells violated the consent agreement made with the Dept. of Justice and Illinois XXXX, XXXX XXXX 's office which is supposed to require them to attempt to keep me in my property. 
Wells mislead Consumer Finanace Protection Bureau in their response to my complaint ( CFPB Case # XXXX submitted XXXX/XXXX/16 ), and Wells did not answer the fact that no XXXX modification had been attempted, and Wells representatives did mislead the Court when they fraudulently assigned the loan. They need to produce the assignment. 
They do not comply to the consent order made by the Justice Department. Wells simply says in their CFPB response to my complaint listed above : " we 've determined your account was handled appropriately and no adjustments are needed. '' Will the CFPB make them answer the issues of my complaint, or simply take Wells Fargo 's word for it accepting their side of the story and my complaint just goes away? I am in jeopardy of being displaced with my children and another family, living with the threat of the XXXX coming.

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 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... ''

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 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had been making many payments towards this loan throughout a month rather than a single payment. I was not made clear on how the money paid was distributed between the interest and the principle for the loan, although I had initially understood these were " principle only '' payments. 

The real issue occurred when without ANY communication from Wells Fargo, the payments I 'd made began being unapplied ( and not credited back to my checking from where they had been transferred. ) After multiple phone calls with the bank, I was unable to get any answers as to why they were doing this to the account. No one, even the XXXX different managers I had spoken to at different times, could explain anything other than that the account was under maintenance and to check back in a few days after the system " refreshed ''. Nothing would get fixed and I would call again, spend hours on the phone etc. 

I was never clear as to why or what this department was doing when they were unapplying my payments. They have since reapplied them in some manner that I did n't make sense of. I paid off the remainder of the loan asap after that, but will never be clear as to whether I was charged interest for the time period that my balance reflected considerably more that was owed. I also believe this will possibly affect my credit score as it showed the account as delinquent for over 30 days ( when I was significantly AHEAD of the payment schedule ). 

I am concerned that Wells Fargo has the authority ( or the audacity ) to move a customer 's money around without permission, explanation, or purpose ... especially without communicating with their customer. I am led to believe that this incident was done to benefit Wells Fargo, or a Wells Fargo employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or about XXXX/XXXX/2016 noticed a charge of {$620.00} on my Wells Fargo Visa credit card for XXXX XXXX. On XXXX/XXXX/2016, having not made such a charge I contacted Wells Fargo and initiated a dispute. Eventually I was told the charge was proper based upon the merchant showing proof of the charge and that the merchandise was received by me and because the card was n't reported stolen, as such the dispute was closed saying I owed. Then I filed a dispute in writing by fax and was told the charge was improper and they was crediting the {$620.00}. Then around XXXX XXXX or XXXX I observed my available credit had gone from more than {$2000.00} to {$100.00}. Low and behold, they lowered my credit line, did n't say a word to me about it. I sent another dispute on that issue XXXX/XXXX/2016. Awaiting a response but believe they have little to no business ethics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.

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 2015-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are aware that on XXXX XXXX, an Agreement between XXXX mortgage servicers and federal banking regulators was realized that ended in the XXXX Foreclosure XXXX program for those servicers. This XXXX attained in XXXX includes an estimated XXXX XXXX dollars in cash payments to be distributed to borrowers whose primary residence was involved in a foreclosure process in XXXX or XXXX as reparations after regulators found that unscrupulous mortgage practices led to foreclosures across the country. 

Although the residence in question may not have been a primary residence, we still believe that fraud was committed as with a great majority of the foreclosures processed in XXXX or XXXX. This bank did not discriminate their unscrupulous mortgage practices based on residency being primary or secondary. During XXXX, we argued the validity and legality of the foreclosure, in which Wells Fargo finally dropped the case with a lack of evidence/documents that we requested. We feel as though we should be compensated for the erroneous foreclosure, as it impacted our lively hood just as much as any borrower. We feel that Wells Fargo practices was deceitful, that they should be punished regardless of the status of the house ( XXXX ). Illegal is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I just need the excessive phone calls to stop, they are XXXX me to the point of feelings of worthlessness and thoughts of XXXX as the only solution.

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 2016-07-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.

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 2017-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I deposited what turned out to be a fraudulent check drawn on Wells Fargo by mobile deposit to my savings account at Wells Fargo on XXXX at XXXX XXXX Time for {$2400.00}. They gave me full availability of the {$2400.00} on XXXX at which time I withdrew {$2200.00} and the bank then returned the deposited check on XXXX creating an overdraft in my account of over {$2000.00}. Wells Fargo rep explained that they do not process mobile deposits until late the night one day after the deposit was made. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now they want me to cover the overdraft. The fact they wait a whole business day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this delay. Also UCC 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by midnight deadline, they lose the right to dishonor the check. 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XXXX at XXXX Time '' and her account statement shows the deposit under the posting date of XXXX. Therefore, applying UCC 4-214 ( c ), the deposited check drawn on Wells Fargo should have been returned and charged back under the posting date of XXXX. It was not. The chargeback is posted under processing date of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CrossCheck, Inc.
State: TX

Complaint narrative:
I have a company called XXXX XXXX XXXX from Floridaphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in Texas for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA

Complaint narrative:
I have been strung for over two months to get my escrow and tax refund from Franklin American Mortgage Company. I sold my house on XXXX XXXX, 2015. Monies were received by XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015, there was a refund listed in my account balance. Over a week later, I inquired as to where the refund was. I was told to wait ten business days. On XXXX XXXX, I emailed inquiring about the money again. I was told that they would immediately issue another check. In this time, I did move - however I had my mail forwarded to me. On XXXX XXXX, my statement again shows the money being withdrawn. Due to my move, I waited until XXXX XXXX to call. I was told by the customer service rep that a check would be issued the following day and sent to me overnight. I see the funds going in on XXXX XXXX an d the money being withdrawn on XXXX XXXX - but still no check. The check should have been here by Wednesday, XXXX XXXX. I called again today XXXX XXXX XXXX XXXX to check on the status. I was not happy ( It 's been over two and a half months since I paid off my loan! ) but I was professional. The CSR told me the check was not issued and was 'pending ' ... she could not give me a true time when the check would be mailed. I then spoke to the supervisor XXXX. He kept apologizing saying he understood but really would not listen and did not provide any answers except that the check may be sent on Friday ... or Saturday or maybe Monday - no SOLID answers. He did tell me quite firmly that I was being sarcastic ... I said how would you be if a company told you that they issued a refund check TWICE but it was not received although you have received other correspondence from then during this period ... I am beginning ti think that I am in the middle of something illegal. Please help.

Company response to consumer: Closed with explanation