vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
About XX/XX/2008, our tenants at our property at XXXX XXXX XXXX, XXXX, FL. XXXX continued to be late on their rent, as usual. As a result, we could no longer cover the mortgage payment to Wells Fargo. We called and requested to do a short sale on the property. I followed all instructions and supplied them with mountains of paperwork that they requested. In XXXX 2008 they delievered the Notice of Default to the tenants and told them they had XXXX days to move out, which they did without paying another rent payment. I coomunicated with Wells Fargo in attempting to sell the home and avoid foreclosure. I called and spoke with XXXX at Wells Fargo ( in the loss mitigation department ) on XXXX XXXX, 2008 reaffirming that we wanted to avoid a foreclosure, either by short sale or deed in lieu of foreclosure. She assured me they wanted me to complete the short sale and they did not want to foreclose. But I reminded her they had a court date of XXXX XXXX and I did n't want anything bad to happen on that date. She assured me it was not a sale date and they would postpone or cancel it because I was trying to do a short sale. She even sent me a letter on Wells Fargo letterhead detailing all of this information, that they wanted me to do a short sale and then she signed her name. Well, about two weeks later they foreclosed. What a bunch of liars. How are you supposed to work with a company that pulls this kind of stunt? We had a sizable down payment when we purchased this home just XXXX years earlier. And all of the money that we spent to update the home, all gone because they are liars. My first missed payment was XXXX XXXX they served my tenants with the Notice of Default in XXXX 2008 and then they foreclosed in XXXX of 2008. A total of XXXX months from start to finish. I wonder how much quicker they would have foreclosed on someone that was n't trying to work with them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is the second part to compliant # XXXX I receive this document, firstly I received a escrow review statement that inform me the escrow shortage was XXXX. ( paid XX/XX/XXXX with the monthly payment ), then I was informed by a bank rep that I need to pay another XXXX to bring escrow in compliance so on XX/XX/XXXX another XXXX was paid this should have brought escrow in compliance and keep the mortgage the same. Now I receive this document. I have been told that unless I sign this document I will not be able to keep my mortgage the same even after paying the escrow shortage ... by signing this document I will give Well Fargo the right to review escrow every XXXX months and to make adjustments that will only benefit them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks

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 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services
State: TX

Complaint narrative:
I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wellfargo. took money form my checking account. and in stad of puting it in my mortgage account it put it in my principal that was over {$15000.00} in the account.know i cant pay bills and mortgage on time.thats was whit the money was for.I went to tell them whit happen and said day coud not do anyting about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband passed 6 months ago, the mortgage from Wells Fargo was only in his name because of a bankruptcy I had several years ago. I waited for the first XXXX taxes to be paid and decided to pay off the home with the life insurance money. They sent the escrow check in his name the the bank Wells Fargo would not let me deposit it. We left his name on the account for any checks that came in his name. They started communication with the mortgage company and they asked for the death certificate and one was sent. They then sent a letter to my deceased husband telling him they could not sent the check to me. They then asked for a letter from the banker, that was sent, again they would not comply. They then asked for a copy of the will, again sent along with another death certificate, they stated that was not good enough. My lawyer then sent a letter stating that this was the only will and my husband was struck with a XXXX and that opening an estate account for just this would be a hardship to please return the escrow. Again they stated they now want a letter from the local court house. They will not even allow me to send the bill for the final tax of the year and pay it instead of sending me the money. Pennsylvania does not require an estate be set up if passing from spouse to spouse, this is the ONLY company giving me a hard time. I also now think I am entitled to interest on this money since they want to play this game with me. I have complied with every request they have asked for. I just want to pay my taxes with money that is rightfully mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX, Ca XXXX, that included a security deposit of {$14000.00}. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ) XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ) XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone, returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit. 
XX/XX/2016 Official refund request was filed with XXXX at their Customer Care Recovery. 
Recurring 2-week extensions from WF until XX/XX/2016 when I was notified by XXXX that she was now reviewing the case and that any previous documentation could not be found. The entire process had to begin again. 
Recurring 2-week extensions from WF to date.

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 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was told by a neighbor that my house has a " writ '' against it and that was reported in the XXXX newspaper. 
Wells Fargo does not hold the mortgage. 
I have a modification agreement with XXXX. 
How can they keep doing this to me? At what point do they get fined and sanctioned? This is now harming my professional reputation XXXX a small business owner. I want to know how I file for damages against 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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had claimed bankruptcy in XXXX then decided to withdrawal it in XXXX. It was dismissed XXXX XXXX. Leaving me a balance with Wells fargo of {$16000.00}. 
On XXXX XXXX, XXXX, I had a XXXX and totaled my XXXX XXXX on the way to see family for XXXX. Wells Fargo was notified. My insurance company did not hesitate to resolve the matter. I asked my insurance provider at the time XXXX if all was covered and they said they came to a settlement. 
I asked what that meant and she said they came to terms and agreed on the value of the car and they paid {$11000.00}. Wells Fargo cashed the check XXXX remaining balance was XXXX. There was GAP insurance I tried to handle my GAP insurance that Wells Fargo had but they insisted on handling that matter. Guess what GAP was denied. Most likely because at the top of GAP paperwork I finally received this year XXXX. At the top of the page where it says for your info only on the INFORMATION NEEDED TO COMPLETE CLAIMS. Wells Fargo wrote out my Acct # and The Words " Closed Loan '' " XXXX/XXXX/XXXX '' then below that " Fully C/O ''. So wonder GAP said it was denied. But they still never contacted me back to tell me like they said they would if it were denied would contact me. In XXXX ... .they contact me. I contacted then back. I even have a fax cover letter with poc XXXX and her number was XXXX ext. 
XXXX from XXXX/XXXX/XXXX when I requested them to originally remove it from my credit report. Due to the fact, I had moved to another residence in GA. 
They said, They had searched for me. I thought that was funny. I was at the same address when I had the XXXX in XXXX. In XXXX, Wells Fargo filed a XXXX they never sent to my address they sent to my old one I lived at in XXXX. So here it is XXXX and I have tried all avenues of contacting them. I have paid {$3100.00} for this Debt Cancelation yet they refuse to take it off my credit report. I have paid my due 's they have requested to be paid by IRS. If they wanted more they should have asked for more then. But when you add the numbers up to the amount that was owed on the vehicle I have paid. If you can please talk to the creditors/Wells Fargo. I have exhausted all means. Sent all the proof they requested yet no one wants to remove them or something. 
XXXX Debt Cancelation is for something. I paid them completely. IRS gave me confirmation everyone has proof what else is needed? 
one I lived at in XXXX. So XXXX and XXXX I paid

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 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a special XXXX account with Wells Fargo that required {$25000.00} in the account. I was charged a fee for this account for many months no matter if the account had over XXXX in it or not. The bank manager almost fell over the teller trying to sell me this and when I addressed it I was not compensated for this deception fully. 

I also noticed a extra savings/checking accounts that were added that I wanted to make sure I was n't charged for those as well. I noticed when I was closing most of my accounts with Wells Fargo. 

Thank you kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited a check for {$8000.00} into my Wells Fargo account on XXXX/XXXX/16. The check was from my XXXX account. XXXX is showing that the check cleared on XXXX/XXXX/16. Wells Fargo is claiming that there were insufficient funds in XXXX to clear the check and they are closing my account. I confirmed with a XXXX banker that the funds were available and they were sent to Wells Fargo. I faxed a letter on XX/XX/XXXX from XXXX to Wells Fargo that explained that the check cleared and funds were available. It had the bankers name and contact information on it. I was told to expect a decision on the account closure today, XX/XX/XXXX, however when I called they had not yet made a decision. 
They have not as of yet released the hold on the {$8000.00} check even though it cleared XXXX. I have not yet been provided a definitive answer as to when those funds will be available. Even though the status on the website shows it will clear tomorrow, XX/XX/XXXX, the agents on the phone seemed unsure if it would be available then. 
They have also informed me that my credit card is on hold because there is a hard hold on my checking account, and if Wells Fargo closes the checking account they will close the credit card as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report.

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