vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We applied for a mortgage loan with Wells Fargo Home Mortgage through XXXX XXXX ( XXXX ID # XXXX to purchase a condominium at XXXX XXXX XXXX XXXX. Wells Fargo issued a mortgage commitment letter during the preconstruction phase of the building, which was required to be reissued after a period of time. As a result of the commitment letter issued by Wells Fargo we made a substantial deposit to purchase a condominium unit at XXXX XXXX XXXX XXXX. We made many attempts to contact XXXX XXXX to reissue the commitment letter but she did not return calls or email. Wells Fargo through its agent XXXX XXXX was the preferred lender for the building and we were required to seek the initial mortgage commitment through Wells Fargo. When XXXX XXXX finally responded to our many requests, she advised us that Wells Fargo would not issue a mortgage loan. However, XXXX XXXX and Wells Fargo have refused to issue a denial letter for the mortgage application with specific reasons, which is required by law, as to why Wells Fargo would not issue a mortgage loan. 
Wells Fargo and XXXX XXXX intentionally deceived and misled us by issuing a commitment letter which we relied on to submit a very substantial deposit to the builder to purchase a unit at XXXX XXXX XXXX XXXX and then refused to issue a mortgage loan. We believe that Wells Fargo, XXXX XXXX and the builder of XXXX XXXX XXXX XXXX have engaged in a conspiracy to write commitment letters to prospective buyers to then revoke the commitment, so that the builder/seller can retain the deposit money ( which should still be in escrow ) even when the unit is sold at the same or higher price. 
According to the XXXX Consumer Access Site, XXXX XXXX goes under XXXX names : XXXX XXXX XXXX and XXXX XXXX XXXX. Her address and phone number at work is : Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX - XXXX XXXX, New York XXXX XXXX Given the foregoing, we have requested that the builder return our deposit since they have placed the apartment up for sale and we believe is currently in contract.

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 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. 
If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). 
I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF 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 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!

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 2016-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.

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 2015-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: TX

Complaint narrative:
I am a resident of the state of Texas and sent Enhanced Recovery a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.

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 2016-10-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do so

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 2016-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Auto finance company charged years of late fees after approving my hardship payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. 
Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our Wells Fargo ( WF ) Visa experienced some $ XXXX in unauthorized charges. Reported these to WF and removed the charges, but a couple of weeks later all of the charges reappeared as WF sided with the merchants to reinstate the charges. WF discovered that fraudulent charges led to some email address that is not mine, to some address over XXXX miles away from me that is not mine, and that someone verified one of the charges using a XXXX XXXX phone number that someone had hacked into so anyone could have made that call. I mailed to Wells Fargo Fraud Claims " Reconsideration '' department today a detailed packet outlining how these pieces of evidence prove in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. Also WF said that someone faxed to a merchant an ID for me, but I asked WF to get that fax because I am sure it will prove that the ID is fake since at least no one stole my ID of that I am certain. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted no doubt fraud documents to try to use my credit card. This is more than credit card misuse this is account takeover. WF must remove all these charges because I will not pay for unauthorized charges, never.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
They took over a mortgage from my current bank. I attempted to keep my interest and payments low. I did not want a payment over XXXX like I have had before with original bank. They manipulated my account to where I was forced to pay XXXX a month in mortgage. Much higher then I agreed to pay originally.

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 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: FL

Complaint narrative:
Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX opened an " Essential Business Checking '' account with Wells Fargo in XXXX and I was told there would be no fees - I took a picture of what the banker wrote on my welcome booklet and Wells Fargo has confirmed that, that type of account was free because I have a mortgage account with them. Less than a month later, on XXXX XXXX, Wells Fargo changed my account to " Business Choice Checking '' without telling me and began charging me a $ XXXX monthly fee. No one at Wells Fargo can explain why this change took place and they simply said they no longer offer the Essentials Bus Banking. I was told by the CS rep at Wells Fargo that I was notified either by email or mail but I was not. I have also checked the secure emails that they sent to me within my online banking. They are refusing to refund the {$14.00} fee and I now have to go close out all my accounts with them. Here is what they wrote after I emailed them my complaint : " I received your email inquiring about changes to your account. I know how frustrating it is when unexpected fees are assessed. 

Effective XXXX/XXXX/2015, your Essential Business Checking account waschanged to Business Choice Checking. The account will have a new $ XXXXXXXXmonthly service fee. I regret that I am not able toreimburse the fee at this time. " I would just like there to be a record of Wells Fargo 's shady business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I 've had Wells Fargo as my bank for a few years now. And every time I go into the bank they try to get me to open another account. I had a normal checking and savings account. However, about two years ago they had me open a second checking and savings account because they told me it was safer to have to different checking accounts. However, then I got charged fees for the other checking account because I did n't have enough money in it or because I did n't use my debit card enough. Even though they told me the separate checking account was for my direct deposit only. Let me clarify, they told me it was safer to have a checking account for direct deposit and then a separate checking account for my debit card. But then I was charged a fee for not using a debit card with the direct deposit account. I hate going into the bank, because when I walk in I 'm immediately attacked by all the tellers, yelling and calling me over to their window. Half the time I went through the drive thru window they told me they had to have me come inside and speak to a banker and I ended up with another checking account, another savings account, and a credit card. In the past few months I 've been taking money management classes. I maybe make {$1600.00} a month. Why do I need that split up into XXXX accounts? Why are they convincing me I need all these accounts when I barely have enough money in XXXX account? And then when I do n't have enough money I get charged a fee, even if I have money in the other XXXX accounts. How does that make sense?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been trying to get reviewed for a loan modification for more than eight months and we have been given the run around they do not return our calls do not review the documents in full and then they always say there is something missing or that they are not able to accept our income. We have been treated rude and with the most unhelpful attitude. We feel hopeless and that the bank is only looking to forclose instead of helping to resolve our delinquent account due to unfortunate events. Please help us. WE would like to keep our home. Thank you.

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