vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The borrower submitted a loss mitigation application to America 's Servicing Company ( " ASC '' ), which denied that application and communicated that decision in XXXX letters, each dated XXXX XXXX, 2015. The borrower, through counsel, appealed that denial on XXXX XXXX, 2015. ASC then denied that appeal by letter dated XXXX XXXX, 2015. The same personnel that reviewed the loss mitigation application and signed the XXXX XXXX denial letters also reviewed the appeal and signed the XXXX XXXX appeal denial letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was evaluating Wells Fargo Home Mortgage to determine if I would like to utilize them as a provider of my mortgage for a home purchase. The Home Mortgage Consultant told me that a Conventional Loan was cheaper than a FHA Loan, saying that the PMI was " way higher '' on a FHA Loan. I asked him to show me the math via an Amortization Schedule for a Conventional Loan and a FHA Loan. Other mortgage companies were able to send me a document for each loan type generated from a system they utilized. This Home Mortgage Consultant sent me XXXX links to pre-populated variables at XXXX, XXXX for a Conventional Loan, the other for a FHA Loan. The variables can be changed on the site instantly. When asked to back-up the amount of PMI being factored into each table, the Home Mortgage Consultant was unable to back it up. Though the XXXX other mortgage lenders had different amounts of PMI on the Conventional Loan, the quote from Wells Fargo was arbitrary and from a third-party website that can be manipulated. The numbers can easily be changed to make XXXX option seem better than another without any accountability.

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 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Had a call from Wells Fargo customer care and recovery group regarding a complaint letter we had sent regarding their mortgage application process and how badly we had been treated. When we called they informed us that they were recording the call.. We said, we are recording the call also. She said she could n't talk to us if we were recording the call. What gives? They can record us but we ca n't record them? How does that 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 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable.

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

Complaint narrative:
Several years ago we opened a savings account at Wells Fargo because we already had a business checking account there. We were surprised to learn that we would also have to open a checking account and credit cards. We did n't want this, but our savings account was contingent on agreeing to these services. Was it legal for the bank to make this mandatory if we wanted a savings account? The maintenance fees, etc. just ate away at our resources.

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 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: AK

Complaint narrative:
Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been working with Wells Fargo related to an equity line that ballooned XXXX XXXX. Over a year later I was finally able to get Wells Fargo to make payment arrangements with me ( Reference previous CFPB case # XXXX ). After contacting the CFPB I was finally able to get Wells Fargo to make payment arrangements. I began making those payments in XXXX XXXX and I was required to make 3 trial payments - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$300.00}. I made all 3 payments in a timely manner. Then in XXXX XXXX I began making payments of $ XXXX/mo. I was sent a loan agreement in XXXX which I was required to sign. I took issue with language in the document and the credit reporting by Wells Fargo and filed another complaint with the CFPB regarding that matter. In addition I sought legal counsel and retained the services of XXXX XXXX XXXX to review the loan document. I executed/signed that document at my attorney 's office and it was notarized and sent back to Wells Fargo at the address listed on the document. I continued to make payments of $ XXXX/month in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX XXXX, XXXX I received a letter indicating that my agreement was void because I had failed to return the signed document. I immediately contacted XXXX XXXX and left a message for him. I did not hear from him so 2 days later I called again and left another message. My calls were never returned. I was given the name of XXXX XXXX as an internal Wells Fargo contact where I could file a complaint so I attempted to contact XXXX. However, in doing so I reached a person at XXXX XXXX ' number who seemed very helpful. I explained the entire situation to her. She said that she could not find the signed loan document????? She was going to talk with XXXX XXXX and get back to me if there was anything further that I needed to do. I continued to make payments in the amount of {$600.00}. My loan was finally set up online and I was able to see the payments recorded so it seemed that all was fine. However, today I received my check sent to Wells Fargo on XXXX XXXX, XXXX returned with a letter dated XXXX XXXX, XXXX stating that this " check can not be accepted because it is insufficient to pay off the entire balance on the account. '' I have met all of my obligations in this matter. My legal counsel worked with me to fulfill the required signed, notarized document and yet Wells Fargo now is coming back to me as if to begin all over again and continue this as if none of my payments were ever received. I am desperately in need of your assistance. Thank you in advance.

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 2015-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Received an auto loan through Wells Fargo Financial for a XXXX Chevrolet Impala. Loan was paid on time up until and accident I had in XXXX XXXX that cause me to XXXX. I was out of work for XXXX months which caused my payments to get behind. I did my best trying to manage the payments but maintain a poor history afterwards. even though payments were late, I managed to pay out the loan in full in XXXX and XXXX years later it still shows negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a loan modification in latter part of XX/XX/XXXX with Wells Fargo Bank. I received a letter dated XXXX/XXXX/2015 from Wells Fargo stating that they have received my application for a loan modification and to keep in mind additional documents may be needed. 
In a letter dated XX/XX/XXXX from Wells Fargo Bank were a list of conditions they had received and conditions which were still outstanding, all due by XX/XX/XXXX. How then do I have a Foreclosure Sale date for XX/XX/XXXX? This is clearly blatant dual tracking and Wells Fargo should be called on this violation of the California Homeowners Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.

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 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I completed Ch XXXX bankruptcy in XXXX XXXX and begin to receive notice that I owed XXXX in additional mortgage payment to Wells Fargo Bank . I have asked, in writing, since XXXX XXXX for an accounting of how they have come up with this figure. Wells Fargo has my mortgage in foreclosure status sale, date unknown. This is very unfair and the investigation has taken an unreasonable length of time. Monthly I receive notice extending the date of the conclusion of the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My loan was purchased by Wells Fargo from my original lender with whom I had been in good standing. Wells Fargo changed the terms of the loan, unbeknownst to me, to compound interest daily. They refused to allow me to pay any more than the minimum payment unless I opened an account with them which I flatly refused.

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 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal credit union began to send me collection bills and account deficates on an account I didnt have, they proceeded with collection activities and threats that took weeks to deal with and my banks help to unfold the damage they created. In the end I received a vague response letter from them and a promised follow up to clear up the mess they created for me, which never happened from theyre part. I had never heard of navy federal and had never had any accounts with them until they sent statement, letters and threats to me.

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 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have been making automatic direct payments to America 's Servicing Company for over eight years and recently discovered they 're not reporting my payments to the credit bureaus.

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 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records

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