vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help me.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.

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 2015-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I faxed the attached letter, dated XXXX XXXX, XXXX, to XXXX XXXX XXXX, Loan Specialist, America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application, dated XXXX XXXX, XXXX, copy attached. My XXXX XXXX, XXXX letter states my proposal for a reasonable loan modification, based on a {$400000.00} principal amount, a 30 year term, and a 5 % fixed annual interest rate, which is above the current market rates. Wells Fargo Bank , N.A . had obtained the Appraisal, copy attached, of the collateral real property XXXX XXXX XXXX, XXXX, MD XXXX, as of XXXX XXXX XXXX, which Appraisal determined the market value of the property to be {$380000.00} as of XXXX XXXX, XXXX. In my Chapter XXXX Bankruptcy Case No. XXXX, the attorneys for Wells Fargo Bank , N.A . signed a Consent Order, dated XXXX XXXX, XXXX, copy attached, which Consent Order stated the same terms of the modified mortgage which terms are stated in my XXXX XXXX, XXXX letter. ASC has not accepted my XXXX XXXX, XXXX proposal for a loan modification, which proposal is a reasonable proposal, which was accepted by Wells Fargo Bank , N.A . on XXXX XXXX, XXXX, which proposal agrees to modify the loan at the higher principal amount of {$400000.00}, which is {$20000.00} above the most recent Appraisal amount of {$380000.00} obtained by Wells Fargo Bank , N.A . as of XXXX XXXX, XXXX. I would like ASC to manifest its good faith by accepting my reasonable proposal.

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 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and 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 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.

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 2015-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

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 2016-05-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I was denied a {$10000.00} credit loan with Wells Fargo. The reason given was that ; Amounts owed are too high relatve to your income. 

XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to 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 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: OR

Complaint narrative:
My problem is the interest calculation for a mortgage loan in the final weeks before a payoff. 

I took out this loan in XXXX 2016 and made regular payments ending with my regular payment on XXXX XXXX, 2016. I have no problem with the servicing of this loan through XXXX XXXX, 2016. Starting on XXXX XXXX, 2016 I began making a series of additional payments with the intent of paying off the mortgage in early XXXX. I am making the final payoff as using the payoff amount requested by Franklin American this Friday XXXX XXXX. I dispute this amount. I am paying it in full at this time, but am asking for a review of this amount and a refund if they have made an error. 

Basically, I can not understand the interest calculation for the period following XXXX XXXX through the final payoff on XXXX XXXX. In particular, my Franklin statement shows that a portion of the payment I made on XXXX XXXX is allocated for interest. This amount of {$890.00}. I do not understand their reasoning. I talked to a representative on the phone before making this payment and was told that the entire payment would go towards principal reduction since I had already made my regular XXXX payment a day earlier. Then to my shock I looked at my account and saw that {$890.00} was credited for " future '' interest in XXXX. This premature calculation of " future '' interest is absurd as the loan will be fully paid off long before then. I think the interest calculation should be based on the actual principal owing at the end of the month, not some hypothetical " future '' assumed principal. 

I attempted to explain this to a Franklin representative on the phone and was not able to get her to make an adjustment or get her to provide documentation or a calculation showing their methodology. 

In my opinion I have now overpaid this loan. I am not sure of the exact amount, but estimate that it is on the order of {$700.00}. I request that you compel them to do a proper interest calculation, furnish this calculation to me, and refund the appropriate difference to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A credit card I have no knowledge of is showing on my credit report as delinquent and charged off. I disputed the credit card with both XXXX and XXXX credit reporting agency and got a response saying that the card is charged off and would be on my credit report for 7 years. I did not apply, use, pay or have knowledge of this debt. Not sure who did this. There was a history of good payment history as to why I did not know of its existence until whomever stop paying and I started getting negative letters when applying for other credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We received letter dated XXXX/XXXX/16 from Wells Fargo that was very general in nature stating a variance had occurred during closing of our loans. The letter did not say what the cause of the variance was or the amount of variance. Whatever this variance was, Wells Fargo unilaterally decided that the correct course of action was to deposit the amount against our loan principal balance without our input, buy-in, or permission. 

Upon follow up discovered that we were charged {$22.00} twice for a XXXX credit report that was either not done or needed. Please see Wells Fargo email dated XXXX/XXXX/16. Conventional wisdom would suggest that over charges should be refunded directly to the customer. At a minimum the customer should have been consulted and asked how repayment should be handled. It is our opinion that Wells Fargo processes in this instance are unfair, deceptive, if not illegal. 

Request : 1. CFPB investigate if the actions taken by Wells Fargo for the overcharge were appropriate and legal. If found in violation please cite Wells Fargo appropriately. The letter of XX/XX/XXXX could and should have been drafted to be more specific than it was. 

2. We are refunded the {$22.00} dollars immediately. While the XX/XX/XXXX email states we will have the refund, as of writing we have not received it. This coupled with XXXX XXXX XXXX teleconf earlier this week whereas he believed it is allowable for Wells Fargo to credit over charges to mortgage principal ( and that he has seen this before ) makes us believe that we may not get the refund. 

3. That we be provided at {$50.00} customer courtesy credit by Wells Fargo for all the problems and time involved to attempt to remedy what otherwise should have been a simple and seamless refund of monies over collected in error by 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 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I was informed today ( after an excessive runaround ) that XXXX XXXX transferred my loan to NationStar. This was incredibly shocking to me since I was NEVER notified in ANY way. XXXX has had my up to date contact information because I have received tax info from the company in the past.Why I was not notified of my loan going to another company I can not understand. When I finally spoke with a NationStar representative I found out I was transferred to NationStar XX/XX/XXXX! They received payment for a couplemonths then it stopped. Apparently XXXX XXXX never gave them the correct contact info for me either ... so they were never able to get in touch with me to tell me about the transfer of my loan or how they were not receiving the payments I was sending. I was then informed I was {$8500.00} behind! And yet I had been sending {$1300.00} a month -every month- and NEVER missed a payment ( actual mortgage payment ~ {$9500.00} ). I understand XXXX may have forwarded XX/XX/XXXX-XX/XX/XXXX to NS. That still leaves XXXX months of payments unaccounted for! That is {$11000.00} XXXX XXXX has STOLEN from me! 
If NationStar is unable to waive the legal fees already associated with my now in foreclosure home ( DUE TO XXXX XXXX ) I believe XXXX XXXX should have to reimburse all fees. Not to mention the severe damage this has on my credit. I was also notified that since I am not active duty I do n't qualify for any security services military members are eligible for ... I AM XXXX, have been since XX/XX/XXXX and am currently XXXX. If I had not been attempting to look up some property tax info on a whim my house would have been foreclosed and I would have never been notified of anything until after it was complete! I had to do all of these phone calls via XXXX to attempt to talk to service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello. I pay my mortgage monthly every month prior to the due date. I split each monthly payment into ( 2 ) partial payments using online bill pay, because of the way that I am paid. Nationstar misapplied my payments ( 3 ) months in a row. Each month and each time I called Nationstar before it was 30 days delinquent. Each time/month they said they corrected my payment and each time that they would set up a " tier '' system so that my payment would get applied correctly. Each month, I had to call multiple times, as my payment would not get corrected again and again. Each time they said my credit score would not be affected. To make a long story short, I monitor my credit and noticed it dropped over XXXX points from the last time I viewed my score. Nationstar reported my payment as 30 days late in XXXX 2015 and I have proof through my online banking that it was paid EARLY!! Please help get this inaccurate and false information removed from my credit report. Thank you.

Company response to consumer: Closed with explanation