vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
I applied for a refinance of my federal student loans with Citizens Bank. As part of this process, I provided statements from the respective current loan holders. After review, I was told that I was declined due to " the borrower has not yet made the minimum number of required payments ''. The letter did not specify anything further. My wife, who was a cosigner for this application, called Citizens Bank. Initially they refused to speak with her, despite having cosigned, stating that she was not authorized. Eventually they proceeded with the call, but the representative claimed I was declined for the refinance due to being on Income Based Repayment, and specifically because this is in regards to federal student loans. This agent also claimed that it would n't be enough to pay extra, but that I would have to have IBR removed from the account and make standard repayment installments for XXXX consecutive months. When asked, the representative claimed this was some part of " fair lending '' regulations, but did not provide specifics. They also claimed this contingency is part of the disclaimers or FAQs on their website. When I searched for this item, the most detail provided is " You must have made at least XXXX XXXX XXXX XXXX full on-time payments on all the loans you wish to refinance and may need to provide proof of graduation. '' There is no indication or mention of IBR being an issue, and " full, on-time payments '' does not indicate it must be under standard repayment terms. Further, it is my understanding that IBR requires a customer to be current to be able to qualify for IBR, but regardless, Citizens did not cite any issues with my Credit Bureau Report affecting the decision. Additionally, my wife, who applied for her own refinance with Citizens just weeks prior, is also on IBR arrangements, but was approved for a refinance. When asked, the representative at Citizens told her that she was approved in part because her loans are private student loans. Finally, there is no evidence that my application was declined for any income or debt based reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I currently bank with Wells Fargo. For years they have been posting transactions in a way that caused me to get the maximum number of overdraft fees each day. This has caused me to pay thousands over the years to Wells Fargo. Additionally, when I deposit a check to try and avoid these fees they put a 7 day hold on the check causing the account to overdraft further. I do not have a history of depositing bad checks and have never deposited a bad check since I opened an account with them in 2000. This process of over draft fees continues to make it more and more difficult to get out of the circle of fees. In fact there have been times where my account was negative and the fees made up the majority of the negative balance ( 50 % or more ) I have begun considering bring this issue to a law firm to begin the process of a class action lawsuit. I know they were sued for the overdraft fees in California but the class action only applied to California so I was not able to be part of that class action lawsuit. I feel the banking industry ( especially the big banks ) prey on the difficulties of those who do not have a lot, preventing people from being able to get ahead because of XXXX transaction that begins a cycle of fees that becomes impossible to get out of without assistance.

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 2015-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting

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 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " XXXX '' modification or any government modifications through my investor, XXXX, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only {$200.00} less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In XX/XX/XXXX, I spoke directly with XXXX due to Wells Fargo slamming me with " sale dates '' and denying my loan over and over again. Through XXXX, my application was reopened so I was able to reapply in XX/XX/XXXX. I asked to be reviewed for ALL government modifications that my investor participates in and again, they denied me due " not having enough income ''. How is it my income was never an issue when I was approved for the " XXXX '' modification? I was told that if there was a change in my income, then I could reapply. I appealed their denial, submitted proof of extra income that I receive through rent, but Wells Fargo denied my appeal as well. I tried applying again with the change of income, but I was told that no matter how many applications I submit, I will no longer be reviewed for any modification, not even an " in house '' because " I applied too many times ''. I was told in the past that I can apply as many times that I needed to as long as it was before the deadline, XX/XX/XXXX. To add more to my distress, I was given a sale date for XX/XX/XXXX! I am so frustrated with Wells Fargo. I feel as if they just do not want to work with me. My wife had an accident at her job which caused us to fall behind because with both of our incomes we were set and on time with all our bills. We have XXXX daughters we provide for as well. I did not fall behind due to poor money management! My wife is receiving XXXX due to her accident but it is not even half of what her monthly income was. I thought Wells Fargo would understand that these type of situations are not foreseen. My wife suffers XXXX and is constantly crying and blaming herself for our mortgage trouble. How am I supposed to explain to her that our home is going to sell XX/XX/XXXX? I was not planning on packing my things during the holidays. I was hoping Wells Fargo would provide me with an affordable work out option. I am so overwhelmed. PLEASE HELP ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had submitted a payment on XX/XX/XXXX for XX/XX/XXXX mortgage payment to Wells Fargo branch, which then cleared my XXXX XXXX XXXX account on XX/XX/XXXX. I clearly stated in the memo field for XX/XX/XXXX payment. I happen to check my account XX/XX/XXXX to ensure that Wells Fargo applied the payment to XX/XX/XXXX mortgage, but sure enough it was not applied. In fact, it was showing my account is delinquent and there are late fees accrued. I called Wells Fargo customer service in XX/XX/XXXX and XX/XX/XXXX to notify for this issue and late fees and to this date there has been no correction made to the account. 
The other issue is how my previous mortgage payments have been applied to the account, which should be reducing the principal balance gradually and it is not reflecting that. 
I have been very unhappy with their service, diligence to get the issues to get them resolved. I 've made my mortgage on time ever since I 've had my loan with them in spite of my income reduction and they have been absolutely frustrating to deal with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.

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 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was a perchasing a truck through XXXX and I was given a bank account to make a deposit at Wells Fargo bank I did so but things began not adding up I contacted wells Fargo and told them the bank account was being used for fraud transactions I was told the money was still In the account and that in order to get it back I had to file a police report I did and the officers also were told the MOney was still in the account the officers told the bank they needed to freeze the account until they could get prosedures done to investigate further the bank no longer would talk to me about the money and they even let the person withdrawal all the money knowing it was a fraud account they had been aware of that from me and the police department

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 2015-11-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have reason to believe that my deaseased husband XXXX XXXX XXXX SS # XXXX, committed mortgage fraud and tax fraud in my name or my name that has been hidden from me until now because I was XXXX. I think that he forged my name on documents and included me on a bankruptcy without my knowledge. I believe that my credit report is also not disclosing this. I 'm currently working with XXXX to restore my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wanted to refinance my property and noticed that my identity was stolen and used to open a fraudulent account under my name without my knowledge. I am a victim of identity theft. I filed a police report at XXXX Police Department in California. I contacted with the credit bureaus and sent them Identity Theft Affidavit and Police Report. The credit bureaus removed the fraudulent account, but after a month I 've got a letter from XXXX credit bureau that they re-inserted the following fraudulent account : Wells Fargo Bank - account no : XXXX. I again contacted with XXXX to find out why they re-insert the fraudulent account. XXXX representative tole me I need to contact with Wells Fargo Bank. I asked him to do three way conversation to see what the problem is. XXXX agent contacted with Wells Fargo bank and I explained XXXX of the agent of Well Fargo Bank Fraud Department. She asked us to hold two to three minutes to find out what happen. After 45 minutes, she took the phone ( without any excuses ) and told us she should transfer the phone another representative. So, another representative took the phone and I explained her what happen, she hanged the phone on us. XXXX representative was surprised and I was shocked because nobody could help us. I asked him to remove that fraudulent account but he regret to do it. I asked a supervisor from XXXX credit bureau and he transferred me to XXXX XXXX, the supervisor of XXXX. After two hour, he called me, and again I explained me what happened. He advised me to do three way conversation one more time. After all, XXXX XXXX called to Wells Fargo Bank. This time Wells Fargo Bank representative from fraud department did not let to XXXX to hear our conversation. But I insist to talk on front of XXXX supervisor, but she hanged off the phone on us. I asked XXXX XXXX XXXX to removed Wells Fargo fraudulent account from my credit report, but he did not remove it. He told he will call me one more time next day and try to fix this problem. However, since now I do not receive any phone calls from XXXX. Please help me to resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation