vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering.

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 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.

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 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Resolutions Group
State: CA

Complaint narrative:
XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I made a purchase through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.

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 2016-06-22 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.

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 2016-01-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently found out that I had been denied for a loan modification when the denial letter dated XXXX XXXX, 2015 arrived at my home on XXXX XXXX, 2015. Moreover, I have a foreclosure sale date for XXXX XXXX, 2015, therefore, Wells Fargo was not honest when they told me while I was being reviewed for a loan modification the foreclosure sale date would be remove, only 1 day after the 30 day period I had time to dispute I am facing foreclosure sale date. This leads me to believe they merely postponement and did not remove has they said they would. However, a new package was submitted to Wells Fargo Bank to review, in addition, in the month of XXXX 2015 I was provided with XXXX points of contact only one responded to me XXXX XXXX XXXX who instructed me to call the Foreclosure Attorney who works for Wells Fargo and not the other way around. 
I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.

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 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I request that the company Wells fargo dba ASC produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms XXXX, XXXX, or form XXXX. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trust Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
Refund of all funds submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trurst Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.

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 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo Mortgage stated I refinanced my home in XXXX. That is not true. I refinanced that home in XXXX for 15 years. I was not eligible to refinanced that home again with a VA loan because it was not my primary resident. My loan was sold to Wells Fargo and they refuse to listen to me. The paperwork that they sent me is not official it has a signature without other information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief