vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo told me they would issue a check for {$10000.00} from the insurance proceeds, then they called me back after understanding that the amount cashed by Wells Fargo was greater than {$10000.00} and a understanding the contractor WILL NOT start any work until they get the first draft. In fact they could file a lien as you requested they sign a conditional lien waiver for the very amount of the check that you did not send them. I have sustained additional roof and other damage to the home as a result of the games Wells Fargo is playing. You cashed {$20000.00} XXXX and are slow rolling out the amount of money that it will take to get started. You should also know that the depreciation will not be available if you guys do n't hurry up and allow this work to get started. Is Wells Fargo going to pay for the additional damage? 

In regards to the Mortgage Loan, the QWR requested ORIGINAL INK COPY OF THE DEED AND OR other said documents to support the loan. The issue here is my loan is behind handled by the Home Equity Department of Wells Fargo however it is NOT A HOME EQUITY Loan. 

In regards to the single point of contact, I provided all documents that i have access to. I have an active IRS Audit going on and can not provide tax returns for 2014 You have every thing else and i know for a fact, Wells Fargo can do an alternative modification considering this situation. Why ca n't i just start making mortgage payments. Why wo n't Wells Fargo not do an in-house modification considering i have given and provided every single document that i have access to and can sent. Please help me understand how other Wells Fargo Customers are getting modifications when Wells Fargo can not get all documents. Can you confirm the only thing your looking for to modify the loan is 2014 Tax Returns. If that is the case they are not available and wo n't be until the Audit is complete. 

Can you please provide a phone number of someone that can if fact consider this situation and allow me to keep this home? This has and is going on far too long.

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 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a XXXX veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from XXXX to XXXX. After finding a house I submitted a mortgage application to Wells Fargo Bank XXXX the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was " Unable to verify income '' upon retirement. Since it is now taking XXXX 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that XXXX provides prior to retiring. Since I could not produce a income statement, and will not be able to do so for XXXX to 8 months, Wells Fargo has put me between a rock and a hard place. I have already sold my current residence, however I am now likely to lose the house I have a contract on in XXXX. I doubt I am the XXXX Federal retiree who 's plans included something for which they would need a loan to accomplish. Wells Fargo 's response was that this was part of the new rules implemented after the housing market crashed, however, I can not see its application for someone who will have a guaranteed income at retirement despite the governments processing of that retirement being 6 to 8 months behind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is soliciting their CC customers for balance transfers and subsequently turning their card products into " no grace period on current purchase '' as a result of the cardholder taking out a BT offer.

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 2016-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been wrongfully denied a loan modification by my mortgage servicer America 's Servicing Company / Wells Fargo because they claim that the alleged investor owner named XXXX XXXX XXXX XXXX will not Grant a loan modification to me a second second time within a five year period. However I have demanded legal proof that this investor actually owns the mortgage and provided them a fraudulent assignment of mortgage that was recorded against my property on XXXX XXXX XXXX buy a robo signer and fraudulent individual named XXXX XXXX XXXX a well-documented robo signer who claimed to be an assistant secretary for XXXX. The fact is XXXX XXXX XXXX XXXX has fraudulently claimed to be an owner of my mortgage when in fact the used fraud to make such a claim. I have attached a copy of the fraudulent assignment for your inspection. Secondly ASC / Wells Fargo failed to provide me any evidence or proof that the reason for denial is Justified or stipulated in any of my mortgage documents as they claim. I firmly believe that these entities are working in a conspiracy to steal my property and deny me the right to keep my home. Now they have a sale date scheduled for XXXX XXXX XXXX as an attempt to take my property even after I have proven that I do qualify for a loan modification once again and even after they have failed several times to meet my demand to prove that XXXX XXXX XXXX XXXX actually owns my mortgage without the fraudulent document recorded as an assignment of the deed of trust in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for the NJ HomeSaver program which is funded through The Hardest Hit Fund. Wells Fargo denied my application stating that my loan investors do not participate with the program. What is important is that I was approved for The HomeKeeper program in 2013, which was also funded through The Hardest Hit Fund. So why did my loans investors participate then but not now. I believe Wells Fargo is incorrectly and unjustly denying my NJ HomeSaver application. I have reached out to them multiple times today and no one can give me a straight answer. I feel helpless and that I have no where to turn for representation.

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 2016-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of 2015 I asked my loan officer if it was in fact true that I could have PMI removed right after closing. He assured me via email that it would n't be a problem at all. He even went as far to say that he had just left some kind of a conference for continuing training and they talked about it there, so he was certain. This was all written through email, by the way, so I have the whole conversation documented. We closed a few weeks after that conversation. 
Fast forward a little over two months later and I decide to make the call to have it removed. I went through XXXX XXXX XXXX for the loan but the mortgage was then sold to Wells Fargo. So I reach out to Wells Fargo and they tell me that I must have 80 % LTV in order to have PMI removed. I told them I was already aware and that based on my appraisal, I already have that. They then advised me that they would have to use the lesser of the appraisal or the purchase price. Well, I got a heck of a deal so the lesser would definitely be the purchase price. I only put 5 % down so I was nowhere near the needed 80 % LTV that they want. The numbers are as follow : Appraised value : {$220000.00} Purchase price : {$170000.00} Mortgage amount : {$160000.00} Similar houses in my neighborhood are going for well over {$220000.00} so the bank clearly has no risk here in regards to the LTV. I initially reached out to Wells Fargo the first week of XXXX. The said my case 'due date ' would be XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. Now here it is the XXXX and sure enough, there 's no resolution. Each time they pushed the case back I would ask specifically what are they doing or trying to decide? They would always respond with a vague answer and just say " this is normal ''. 
The PMI portion makes up {$80.00} of my payment. This may not seem like much to some people, but my budget is extremely tight already. I ca n't afford to be manipulated and lied to and lose {$80.00} per month.

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 2015-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC
State: VA

Complaint narrative:
Greetings, I have been receiving anonymous calls and voicemails with my personal information being left on public voicemails from XXXX and XXXX. The calls have averaged over XXXX a day. I called the XXXX number name of the point of contact : XXXX XXXX ; and someone named XXXX answered and asked for my name, then provided me with the last XXXX digits of my SSN without verifying my identify. I advised him he should verify my identify before providing the last XXXX digits of my SSN. He then said what would someone do with your name and last XXXX digit of my SSN and became irate. I ended the call by stating I will report him to the CFPB. I have never received any correspondence in the mail for a debt owed and if received and legitimate will pay the debt. 

They are in violation of the Fair Debt Collection Practices Act by not providing me their actual company name, address, and business licensing number. They refuse to mail any correspondence for the debt owed and this is against the law. I am unsure if this is a scam or identify theft ; but all claims have to be legitimized!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. 

Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this

Company response to consumer: Closed with non-monetary relief