vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.

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: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I regularly transfer funds into my Wells Fargo checking account, from my primary savings institution, which is a Credit Union. The last transfer I initiated was a next business day delivery, which I sometimes choose. Funds were ordered on XXXX/XXXX/2015 and should have been credited on XXXX/XXXX/2015. I have initiated these transfers, well over a XXXX times in the past, both XXXX business day and XXXX business day requests, with no issues. The most recent transfer in question, was not credited until the XXXX business day, instead of the next business day, as was requested. As a result, my account was debited on XXXX with outstanding checks, and my account was placed into overdraft, which I have protection for. The deficit was covered through funds in an associated savings account. In addition, an overdraft fee was charged. If the entire amount of the funds transfer from my Credit Union account had been credited on XXXX/XXXX/2015, as should have occurred, the account would have not have been in danger of overdraft. I contacted Wells Fargo customer service, requesting they reverse the overdraft fee. The representative on the phone refused, at first, but reacting to my repeated request to reverse this erroneous charge, offered to credit 25 % of the overdraft charge?? I declined the offer and requested to speak with a supervisor. I was connected to XXXX XXXX in the Texas call center. I reiterated my account of what happened, resulting in not only the same 25 % offer, but in addition, she tried to place responsibility on the Credit Union which sent the funds. After repeated requests to reverse the entire overdraft fee, I was again offered the 25 % refund. I declined and ended the conversation. I have checked with my Credit Union and they contend that nothing out of the ordinary occurred with my transfer request. As mentioned before, I have engaged in this same type of transfer over a XXXX times, with no prior issue. Additionally, in the XXXX years since I 've had these accounts at Wells Fargo, an overdraft has never occurred. This is simply a case of Wells Fargo getting an additional day of float on the funds transferred into the account, as well as, a spurious opportunity to charge an illicit fee ... .very simply, a fee grab by XXXX of the XXXX largest banking institutions in the country, involving a relatively small customer who has several accounts with them. The primary reason for my relationship, is because they acquired my accounts subsequent to a takeover of a regional bank, which had very exemplary customer service, and I 've remained with them as a convenient way to pay my mortgage. A resolution to this issue I 'm reporting would be to very simply, refund the entire amount of, what I believe is, an invalid fee which was charged because of Wells Fargo 's own inefficiency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
have just been treated very poorly by XXXX different members of the navy federal team, XXXX in the loan payment dept an intake person and a supervisor, and a third person XXXX in their customer service dept ( which is a joke ) ..i refused to verify my business email ( which i do not use for my personal banking ) ... the first girl refused to take my payment, which she could have verified by many other means, i have had this car note for over 10 years and i used to be an employee of navy federal ... the supervisor refused to take the payment as she doubted my ownership of the business account at another bank ( gee wonder why i do my biz banking elsewhere? ... could it be lack of service and customer care from navy federal? ) ... .i am the president of my corporation and see this as a real insult ... so here i am at XXXX on a monday morning trying to get my bills paid so i dont cut into my " sales time '' with my customers and i am dealing with XXXX " too uptight '' employees that are refusing to take a " payment '' on a car note ... .what kind of institution is this ... perhaps you are so used to bullying the young military personnel and their spouses that you routinely deal with ... that you have forgotten your customer service goals ... i am extremely disappointed in the level or nonexistant service that i have received this morning ... you have wasted an hour of my valuable time ... and i am having to mail a payment in snail mail ... due to your poorly trained personnel ... am forwarding a copy of this to your ceo ... .i am embarrassed that i formerly recommended this institution ( navy federal ) to other family members..i will address this issue quickly and post this on XXXX so others can be aware of your treatment of your " members '' ... .which apparently you dont care too much about retaining ... XXXX XXXX, Pres/ceo XXXX, XXXX florida .... 

their employees were combatitive, insisted i was receiving email confirmations of payment ( when i am in fact receiving confirmations via postal service ... which is my preference ) ... 

the employees exhibited no good faith customer service effort to collect the payment on behalf of the lending institution and to help avoid the consumer going into a late payment status ... .by refusing to accept the payment from me on a timely basis. 

argued with me over how past payments had been made argued with me over whether or not my name appeared on these outside banking accounts a very poorly run credit union where membership means nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: FM

Complaint narrative:
Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. 
WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA XXXX 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 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.

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 2015-09-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After filing for modification and the bank denying me and not producing the evidence to back up that I did qualify. I have filed another modification and submitted all documents and pay-stubs, etc. I also make more money than during the modification. My attorney filed the paperwork in XXXX and we still have not got a response from the bank regarding the new modification. Lets see what their reason for denial will be now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # 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 non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. 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