vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.

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 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX my house went into foreclosure, The original attorney for America 's servincing co. was a XXXX XXXX XXXX who was disbarred. After going to court several times and not getting nowhere I filed for bankruptcy in XXXX XXXX, In XXXX XXXX I entered into an Home Affordable Modification Trial Period Plan. In XXXX XXXX I was given Loan Modification. My interest rate went from 8.800 % to 8.675 %. I was also given a deferral of principal of {$150000.00}, with {$51000.00} taken off each year for three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX 2016, I called Wells Fargo Bank , N.A . to see if my husband and I could get pre-approved for a VA Loan. We were pre-approved and began searching for a home. On XXXX XXXX, 2016 we made an offer that was accepted on a home. We promptly uploaded all the required documentation to Wells Fargo. Then we arranged for the home inspection, pest inspection, the required survey, paid the earnest money, etc. Wells Fargo accepted payment and arranged for the appraisal. Once all inspections, appraisal, and survey as well as everything on our end was completed and we were within a couple weeks of closing, I was notified that Wells Fargo would not honor the pre-approval. I was crushed. Our past 12 months work history was cited as the reasoning. I am told by them that VA has very strict rules about work history. Wells Fargo was absolutely aware of our past work history prior to giving pre-approval. We have near perfect credit, 20+ years work history, and had a VA loan with Wells Fargo a year ago that we never missed a payment on. Because of the actions of Wells Fargo , N.A . we will suffer a loss in the amount of at least {$2500.00} at this point if this loan is not approved. That 's just the monetary loss. Most of the joy of purchasing this new home has been completely quashed by these events. Had we not been pre-approved, we would have waited to start our house search until we were in a position to be pre-approved. We would never just throw over {$2500.00} out the window. I called the VA Loan Production Department this morning and they looked at the activity for my social security number. Although Wells Fargo did pull a copy of my Certificate of Eligibility on XXXX XXXX, they never submitted any application to the VA. I spoke with them about the details of our circumstances. They stated that there are provisions in the VA Lender 's Handbook for approval in this type situation. I sent an email to the originator as well as his supervisor at Wells Fargo citing the chapters and sections of the handbook that the VA suggested they review, also noting that the Lender 's " handbook also says that it does n't deal with every possible circumstance that will arise, therefore, underwriters must apply reasonable judgment and flexibility in administering this important benefit. ''

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 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am writing to see about filing a formal complaint about Wells Fargo Dealer Services. The contact number I have for them is XXXX. I had an issue today with having a vehicle repossessed. I had someone here with XXXX XXXX XXXX XXXX hooking up my van to be towed away. At the same time I was talking on the phone with a representative from Wells Fargo Dealer Services and trying to get things figured out with them and removing my personal items from the vehicle. Well talking with the Representative from Wells Fargo on the phone he informed me that I need to listen to the repo men because one of them is in Law Enforcement as a deputy. I asked which one was the deputy and they both said they were not. So I informed the representative on the phone that and he said that then one of them is a reserve officer and threaten me with that. I asked these men and they both denied that. Finally the one man said he formally was in law enforcement but has since retired when he started working this job. The rep on the phone was trying to threaten me with the fact the these men were in law enforcement when they are not and was reminding me he did not say that and everything was being recorded on his end. 

I felt very threatened today by the representative from Wells Fargo and to tell me there was a Law Enforcement Official standing in front of me to intimidate me that was false has upset me the fraudulently misrepresented the repo team as Law Enforcement.

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 2016-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I lost my job in XXXX 2016. Since Wells Fargo offered a " home Preservation " Program, I reached out to them to alert them of my hardship. They were understanding and approved me for the Forbearance program. The way it was explained, was that if the homeowner qualifies for a hardship, then they would make a minimum monthly payment ( around {$50.00} - $ XXXX/month ) until the hardship has been resolved. Once resolved, the loan would be re-evaluated to determine how the loan modification would be worked out. So, I agreed to participate in the Home Preservation Program ( which should be labeled Home Foreclosure Expedition Program ). I found another job and started on XXXX, earning less than I did when I qualified for my mortgage, and notified WF of this accomplishment. My Home Preservation " Specialist '' was extremely kind and encouraging during this conversation. She requested updated earning statements so that the underwriter could determine which program was the best fit. I was ecstatic and hopeful that I would be able to maintain my home. Within a week, my Home Preservation Specialist contacted me to inform me that she had a decision from the underwriter and was happy to report that I qualify for the repayment program! This is a program where you pay your regular mortgage amount in addition to all of the " outstanding '' payments. I informed my ( Home Foreclosure Expedition ) Specialist that I am not able to make that payment. Additionally, I now, have a reduced income compared to what was used for qualifying me for my home. She only told me that was my only option ; that the underwriter came back with that program and I could take it or leave it. I begged with her that it makes no sense that I can pay more on a lesser income. It fell on death ears. She only told me that my first payment would be due on XXXX. I could not make the payment in XXXX, but called back in XXXX to make the payment and was informed that my loan was 5 months delinquent and that I was, now, in preforeclosure. I attemtped to contact the " specialist '', which now changed to a XXXX XXXX and he was no longer available. He would not return my phone calls and I started receiving calls from the collections department, threatening me of further actions. I contacted WF one last time and begged to speak with someone in Loss Mitigation, but no one observed my request. So, here, I have decided to file a complaint as I have a valid hardship and working to save my home. I am working and making a valiant effort to negotiate a fair plan with WF.

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 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in XXXX, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their fidelity bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo back in XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the association 's coverage. I made it perfectly clear that I do not want to pay any more upfront fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check. During the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominium 's fidelity bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund 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 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank initiated predatory Lending on our Company and commercial real estate loan. WF had an employee of the bank come to our office 2 times and present us a SWAP Derivative that said the product would protect us from interest rates climbing. The product co-mingled our commercial loans interest reserves with this separate instrument and WF deducted over {$500000.00} worth of payments from our account without us knowing about it. WE know of a half a dozen WF customers that this also happened to who went Bankrupt because of WF predatory lending.

Company response to consumer: Closed
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had an account with Navy Federal. I had medical issues and they charged off the account # on XXXX 2014. In XXXX/2014 on my XXXX report they reinserted the account XXXX by adding XXXX in front of the account number they modified all the history of the account after my attorney told them I would be filing for bankruptcy to stop the judgement on the Charged Off account. I disputed the duplicates and they only removed XXXX of them. The history and everything else that was disputed and incorrect remained and they kept verifying the debt as correct. 
On my XXXX credit file I had no Authorized User Account on XXXX/2014 when the debt was charged off for my husband on his account # XXXX they added the account removing all history on the Charged Off account and labeled me as an " Authorized User ''. I have disputed this account since last year and they with the intent to collect have continously verified all information as valid when in facti it is not. 
At this point I want to have BOTH ITEMS deleted for due to multiple violations of my rights under the FCRA, the bankruptcy chapter XXXX stay and violations of the Discharge injunction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I experienced identity theft and notified Wells Fargo, XXXX XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at Wells Fargo under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now Wells Fargo is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. Wells Fargo claimed it was my problem. XXXX, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. Well Fargo Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which Wells Fargo said I did not have to pay until the modification was complete. During the modification progress, Wells Fargo continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

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 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I purchased airline tickets from XXXX. It was myself, my wife, and XXXXyear old son. 

I traveled XXXX for two weeks in XXXX. None of my bags made it. The crucial piece of this my XXXXyear old baby 's bag was not available that had all his food and formula putting him at risk. XXXX being a XXXX, one has to be cautious with the foods. Also, my son requires special diapers that are organic and natural that were not available. He had just come off of a XXXX due to bad diapers. 

I contacted XXXX multiple times by phone and they were of no help. I emailed a formal complaint and no response. They just kept deferring me to the airport and they did not lose my luggage. I finally got my bags three days before the end of my trip. 

The airline breached their contract as one was entered into with them when I purchased the tickets and they did not deliver. They also but my baby boy at risk. I filed a formal complaint with the XXXX and they agree that I have standing here. 

I am demanding full credit back for the three charges described in the complaint immediately. My case # with the XXXX is XXXX for your reference. 

Per XXXX guidance, I paid for a service and did not receive the service. Wells Fargo is refusing to dispute the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone used my information go to apply for credit card

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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear sirs, I had a XXXX one and half years ago and could not work my job for over six months. My wife and I have a company at XXXX XXXX that made a great living for us especially with the XXXX who were the most popular buyers until their dollar devalued and visits diminished. Our business is seasonal and when heated summer months arrived we lost income and things started to go downward. I tried the loan modification system with Wells Fargo but they constantly asked for fax duplicates for the loan for a period of over 4 to 5 months but in the end they said I did not meet proper qualifications and did not produce documents requested in a timely manor.

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 2016-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I opened a 12 month-no interest loan for items with XXXX through Wells Fargo Bank on XX/XX/XXXX. No interest monthly amount is {$240.00}. On XXXX or there about, I made a telephone payment including a a late fee totaling {$260.00}. Today while looking at my statement I noticed that my new balance is {$910.00}. XX/XX/XXXX should have been the 12th and final payment. The customer rep, after much time on hold, informed me that when I made my payment via telephone in XX/XX/XXXX, that I gave them the wrong checking account number at that time. Since I was never notified that the wrong checking account number was submitted ( whether by them or me ), I had no idea a payment was not made until today when I spoke to the account rep, who also told me that Wells Fargo in not legally obligated to tell me that the payment method was in error ( until today in explaining how they can charge me over {$600.00} additional interest in addition to the XXXX payment, if I were to pay the account in full ). Interest will now continue to accrue. Additionally, the statement is and has always been sent with a minimum amount due of {$100.00}, with no mention of the {$240.00} no interest payment, with the exception on my payment made the previous month in that amount, interest amounts and charges, etc. i.e. the statement is extremely confusing. My complaint is that Wells Fargo should have notified me immediately that the payment was entered in error when made by telephone. This leaves only two scenarios by Wells Fargo. 1. Intentionally holding the fact that my checking account number did not go through and payment was not made. Or 2. Not giving this information to me regarding the incorrect checking account number for payment until I asked seven months later when/until I asked.

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 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
a ) Unable to get Wells Fargo letter to support XXXX claim so falling into foreclosure b ) Need help from Wells Fargo to stop foreclosure as no letter re 'a ' above supplied. 
c ) Need help/modification from Wells Fargo to stop continuous rises in interest rates, with more due.

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 2016-09-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo open a saving account without my agreement or signature since 2012 and been charging me a fee of {$10.00} every XXXX of the 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