vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My mother purchased a home using a reverse mortgage in XXXX, XXXX. She passed away in XXXX, XXXX with me her sole heir. The property was foreclosed without as much as an opportunity to discuss ways of keeping it. 

Under terms of the reverse mortgage there is an automatic six month extension for disposition of the property. On XXXX XXXX, XXXX I submitted a letter of intent and request for an additional six month extension to Wells Fargo. The succession for XXXX 's estate was started XXXX XXXX, XXXX and I was granted a JUDGEMENT OF POSSESSION on XXXX XXXX, XXXX. I received correspondence from XXXX XXXX, XXXX ( XXXX 's foreclosure attorney ) on XXXX XXXX, XXXX indicating that foreclosure proceedings had been initiated. 

I immediately began trying to contact XXXX to get information and the status of the loan and of the requested extension. After several attempts and numerous conversations with XXXX Customer Service Representatives in which I was told that they we unable to discuss anything about the loan with me, I initiated a conference phone call that included me, my attorney, XXXX XXXX XXXX, and an attorney from the Wells-Fargo legal department. That conversation proved fruitless and ended with the XXXX attorney taking the position that only " Letters of Administration '' from the court would allow XXXX to discuss anything concerning the loan or property with me. 

The property was scheduled for sale at XXXX XXXX XXXX Sheriff 's Auction XXXX XXXX, XXXX. Well-Fargo Bank acquired title to the premises at that sale. On XXXX XXXX, XXXX I received a Notice of Foreclosure with a Ninety Day Notice to Vacate and surrender possession. I removed all personal property and furnishings, at great expense, and turned the keys to the property over to Wells-Fargo 's designated agent. 

About XXXX XXXX, XXXX I received a summons regarding a motion to set aside the sheriff 's sale and reinstate liens and mortgages as if the sale had never occurred. That motion was granted and the judgement signed XXXX XXXX, XXXX. I believe that the entire process and the tactics employed by XXXX in this matter were patently unfair and possibly illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.

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 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: PA

Complaint narrative:
On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.

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 2017-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Unable to verify debt. No documentation sent to consumer. Please remove from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In a previous complaint, XXXX against XXXX XXXX XXXX, I presented the fact that Wells Fargo does not own the loan for my house. It is XXXX XXXX who owns the loan, and thus -is the only one who has standing to participate in foreclosure proceedings. 

According to the XXXX XXXX website, my loan dates from XX/XX/XXXX. 

California has rules for loans made between XX/XX/XXXX and XX/XX/XXXX on Residential XXXX to XXXX Unit-Owner Occupied Properties. My house at XXXX XXXX XXXX fits all these requirements. Loan made in XX/XX/XXXX, XXXX unit and owner occupied. 

Under Cal.Civ. Code sec.2923.5 ( a ) the lender must contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure .During the conversation, the lender must inform the borrower of the right to meet with the lender within 14 days. The lender must also give the borrower the toll-free number for finding a HUD-certified housing counseling agency. 

The owner of my loan XXXX XXXX is the lender. XXXX XXXX has never even spoken to me. XXXX XXXX has not fulfilled any of the requirements of section 2923.5 ( a ). 

In the XX/XX/XXXX case, XXXX v. XXXX XXXX, the court held that the borrower is entitled to relief to postpone a foreclosure sale if the lender does not comply with this law. 

I received a letter from Wells Fargo dated XX/XX/XXXX. It states, " We 're writing to let you know that your mortgage is currently in foreclosure. '' The letter makes NO mention of the loan 's owner and lender, XXXX XXXX. 

How can :1. My loan be currently in foreclosure when Wells Fargo is not the owner of the loan, and not the lender? 
2. My loan be currently in foreclosure when XXXX XXXX, the owner of the loan and the lender, has not complied with sec. 2923.5 ( a )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
After Wells Fargo erroneously reported my account as delinquent to the credit reporting agencies, I setup auto-draft for my payment. After setting up the auto-draft, I received a email confirmation that only the payment amount would be drafted. When the payment drafted, it was more than double my payment and what was stated in the email confirmation. The next month, the same thing happened and I received a call that all would be resolved and never received another response as promised by the caller. After following up due to how funds were missapplied and reapplied, I finally received a letter that contained 2 previous letters that I somehow did not receive, letters I am sure were doctored and backdated after my last correspondence with them. The letters admitted that funds were erroneously applied, but also stated that I agreed to have late charges drafted out of my account, which I never did. They included a letter from XX/XX/XXXX that I never received, so when I went to check my wells fargo account inbox to validate that this " letter '' sent XX/XX/XXXX ( supposedly ) via regular mail was the same as the electronic confirmation that I received in my account inbox, S\surprisingly, the confirmation from the auto-draft is no longer in my inbox. I find everything that this bank has done as highly suspicious and more than despicable business practices. If they just admitted that they misapplied payments that they drafted, I could possibly understand, but to mislead consumers in electronic communication, state that they sent letters that I happen to never received ( I am sure the letters included in their last correspondence were falsified documents ), and then offer no remediation for their callous and unscrupulous behavior is appalling considering their recent scams. However, I guess I should not be surprised. Additionally, they have reported that my account was one month late when I paid the account before a month had expired, therefore the payment was not one month late. Although I have explained this several times, I find it hard to believe that a company full of bankers can not count or can not determine when a full month has elapsed. However, I guess no one can expect much from such a criminal bank such as 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 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: MI

Complaint narrative:
I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied to Wells Fargo XXXX branch to re-finance a second mortgage -- also called a line of credit. I lifted a freeze from all XXXX credit reporting agencies before doing so. I called Wells Fargo because I understood from another mortgage company that only a few banks will re-finance a second mortgage. It is a small second, {$15000.00}. I spoke to loan officer named XXXX XXXX at length in XXXX. Wells has a minimum of {$25000.00} but XXXX said it was do-able as long as my house appraised at {$110000.00} which is no problem in the XXXX, Fla. neighborhood where I live. It already hit {$110000.00} XXXX years ago when I took out the loan with XXXX XXXX. 
XXXX was very positive after getting information on my income. But, the same day, when she said she pulled my credit report, she said I had a score of XXXX which would not even qualify me. That was XX/XX/XXXX. 
I was floored. I have never had a score that low ; I have never not qualified. I bought my house in XXXX. I re-financed in XXXX and got a line of equity in XXXX. I can not fathom this. 
a few days later I was able to speak with a representative with XXXX and I told her looking at my reports, I can not see where my score would suddenly drop. 
She said my score, in fact, was XXXX on that day, at that time -- AND THAT WELLS FARGO NEVER viewed my credit report, it would show up, which of course they all do. I called XXXX, and said there was no Wells Fargo looking at my report, and that my score then that day was XXXX. This was on XX/XX/XXXX because I waited until I got the paper report sent to me from XXXX. 
XXXX said to the effect, oh I do n't know how " she '' got that score -- meaning the underwriter, and to scan and email my report. I do n't think so. It is clear, they just saw where my house is an made a wrong assumption that it is in a bad area. 
I live in XXXX XXXX, which is an up and coming area, a very hot market in fact. But if you are behind the times, property values might look depressed as XXXX XXXX is an old, re-gentrifying neighborhood, and has a higher crime rate. However, the bungalows are in high demand. A comparable to my house sold in one week for $ XXXX higher than my loan and it is only increasing. 
I do not believe their turn down was based on a rational score, or on anything rational, but was a case of red-lining, or discriminating against me based on where I live. 
It has nothing whatsoever to do with my ability to pay, or my house as a property. I do n't think they even looked at my credit report, but someone who works at Wells just blew me off for reasons that are illegal. 
Please find attached a copy of the page that came with my credit report from XXXX that showed my score on that day. My score has only gotten better, too, after XXXX inaccurate items were dropped.

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 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i use my credit card tp purchase airline travel an hotel, the agency mess up and admitted to the wrong doing, my bank gave me the money back and did n't pursue the money from the agency like they told me they would. now i am stuck with XXXX in fees.

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 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying to sell my condo since XXXX. We purchased it in XXXX of XXXX for {$200000.00} and currently owe around {$170000.00}. We had been dropping the price every few months and were finally down to {$170000.00}. In XXXX XXXX I agreed to a new position within my company that required me to relocate from XXXX to XXXX starting in XXXX of XXXX. My husband and I decided to go through the short sale process and drastically dropped the price of the condo to {$130000.00}. We received an offer for {$130000.00} and started the process in XXXX XXXX. We finally received approval from Wells Fargo on XXXX XXXX, XXXX. Unfortunately, the buyer got cold feet and had requested we cancel the purchase agreement. We finally received another offer for {$120000.00} around XXXX XXXX, XXXX. When I spoke with my home preservation specialist regarding how to move forward with the new offer, I asked her what the value of the property was based on the XXXX performed during the first short sale and she told me it was {$120000.00} so I was hopeful that even though the new offer was lower we would still be able to have Wells approve it. I re-submitted all the required documentation within the next week. A few weeks went by and Wells Faro requested information that had already been submitted and changed my home preservation specialist on XXXX XXXX, XXXX. I recently received notice ( XXXX XXXX, XXXX ) that they are rejecting the offer/ denying the short sale however said we could submit a counter-offer to the buyer for {$170000.00}. It has been eight months since we moved and we have continued to make our mortgage payments because it 's the right thing to do and we had some money in savings. The owner of the lower unit will not agree to let us rent our unit which our condo documents require. I do not understand how they could have approved the short sale in XXXX to deny it in XXXX based on very similar offers and our financial situation has not changed any.

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 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo offers a so-called " Loan Modification ' program but has denied my parents application ( submitted by my sister and I ) on four occasions. Their home of 35 years is now in the process of foreclosure. they were required to pay almost XXXX per month on a loan and still have a XXXX balance on the home. they have had a mortgage with WF since approximately fifteen years or longer. When my dad was temporarily removed from the home, his income followed and paying the mortgage became overwhelming for my mother. Now their home is in the process of foreclosur because Wells Fargo has stated that they did not have sufficient income to meet a modification, never explaining what the sufficient income was, nor did they have any problem accepting the almost XXXX per month from an XXXX year old woman and a XXXX year old man. My complaint is, if they have re-joined their income which equals approximately XXXX per month, and it exceeds the monthly mortgage, what is the legitimate justification for denial. In addition. I have been fighting this battle on my parents behalf since XXXX of 2014. I was able to secure a modification ( which lowered the monthly payment ) therough my own mortgage company. I would never ever allow Wells Fargo to finance anything for me. I would do without first. I do n't know why they even advertise Loan Modification wwhen it is a complete lie. Now XXXX old people who have had their home for over 35 years are now being foreclosed on because they are not being given a loan modification. It should have been against the law to re-finance offering an ARM loan to senior citizens!.

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