vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.

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 2016-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale

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 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX History of Wells Fargo Foreclosure XXXX, FL XXXX XXXX XXXX/XXXX/XXXX When we stabilized financially 3 months later Called Wells Fargo and tried to set something up to get house loan caught up. 
Was told they would not except any payments as we were in Foreclosure Wells Fargo Stated not to worry we would get a loan modification. 

Sent financial papers requested by Wells Fargo for 6 months with me calling them once or twice a week. 

Were told not to worry about the original foreclosure date as it would be pushed out since I was in line for a loan modification. 

As Wells Fargo had not told me anything truthful since I started talking to them We contacted their lawyers. 

Deal was struck ( Stipulation ) with their Lawyers to catch up on payments. Sent $ XXXX and was to make $ XXXX payments for 13 months. ( Which I did ) They foreclosed after I had made agreement. Wells Fargo bought my house at action for {$70000.00}, on the tax rolls as of XXXX it is appraised at {$250000.00} Contacted attorney ( XXXX XXXX ), He went to court and had Foreclosure reversed. 

Made Twelve of Thirteen payments. Wells Fargo went back to court and got new sales date set for XXXX, XXXX. 

Paid thirteenth payment. Wells Fargo set new sale on XXXX/XXXX/XXXX Attorney ( XXXX XXXX ), went back to court and stopped sale again. 

Attorney ( XXXX XXXX XXXX, Had me go to Wells Fargo and start making Payments. 

Wells Fargo informed me they could not accept any funds as I was in Foreclosure. 

Attorney ( XXXX XXXX ), had us make payments to the court registry. 
{$1700.00} a month for 12 months, which we did. Notified their lawyer every month of payment sitting at court registry. 

XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Order vacating Final judgement dismissing case with prejudice. ( my favor ) XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Court ordered funds in court registry given back to me. $ XXXX Dormant for 2 years 4 months. Not a word XXXX/XXXX/XXXX Wells Fargo Started new foreclosure case using different date different case. Before their new date I had paid $ XXXX to them or to court registry. 

XXXX/XXXX/XXXX 2nd Case Dismissed under the XXXX XXXX XXXX XXXX 

XXXX/XXXX/XXXX Sitting in limbo again

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 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property. 
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month. 
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX. 
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. 
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property. 
A NOD has been already filed, even though we were in the middle of a Loan Modification process.

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 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have previously contacted your offices, but the same issue is being presented to us in reestablishing our mortgage payments. 
I have been on forbearance for the last 10 months because I was previously out of work. Now that I have obtained a job paying $ XXXX - I receive a call on this morning from Wells Fargo telling me that my income is not enough to restart the mortgage payments. I have turned in the check stubs and all information that they have requested, but they are now telling me that I have to pay {$26000.00} to be considered able to restart the loan ... ..knowing that I can not obtain an outside loan because of the mortgage being on my credit report as delinquent. 
What the heck is this bank working to do - other than destroy people? 
Can you assist us in getting our loan reestablished?

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 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a Wells Fargo Home Mortgage. 
I applied for a home mortgage modification around XX/XX/XXXX/XX/XX/XXXX Wells Fargo Changed my payment schedule And I payed It just as they had instructed me to do on the dates they told to. And now I find out that they reported me to the Credit Bureaus as ( 30 day late payments ) on on numerous occasions. 
The address of the house Mortgage is XXXX, Ga XXXX And Oh by the way, They never modified the mortgage at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.

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 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.

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 2016-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: ND

Complaint narrative:
Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.

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 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.

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 2016-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.

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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Received XXXX call so far before XXXX. XXXX of them were before XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Integrated Recovery Services
State: NE

Complaint narrative:
Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.

Company response to consumer: Closed with explanation