vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband and I co-signed XXXX loans through WF when our daughter started college in 2010. We were VERY hesitant about c0-signing, but since the financial aid she was receiving was not enough to cover the cost, we felt like our hands were tied. We were assured it was relatively easy for the student to remove us once she graduated and began repayment. Here we are 6 years later, she dropped out of university, went to a XXXX college, incurring more student loans and left that without a degree. She works for minimum wage, married to a guy who refuses to work, and she has decided that she does n't " ca n't '' pay the loans. Which means WE are now paying the WF student loans we co-signed and she has no intentions of repayment. Her husband has said " let your parents pay it. '' I am a XXXX and have my own student loans that I will be re-paying until AFTER I retire. AND now I 'm stuck with her loans. I am frustrated because I feel like this system is enabling my daughter to be financially irresponsible. If she does n't pay, we have to pay or our credit is affected. We pay her loan and her credit looks great. I am aware there are thousands of other parents who are stuck paying their adult children 's education loans, further enabling this generation to be drop-outs and irresponsible. Are there any solutions? Why wo n't WF go after HER for payment, instead of forcing us to pay? Are there any programs available for parents in our situation? We know that when we co-signed we were legally agreeing to pay in the event our daughter could not, however our hands were tied. Federal financial aid said we were responsible for paying part of our daughter 's college education ( which is ridiculous - I 'm a XXXX in AZ! ), and in an effort to be supportive of her furthering her education, we felt guilted into co-signing her loan. Afterall, did n't we want our child to be a part of the American dream and help her succeed as a responsible citizen? Now I see this whole situation as a means of entitlement for this XXXX generation, and the government and financial institutions are encouraging their lack of responsibility. Why ca n't Wells Fargo go after my daughter, garnish her wages, hold her accountable? Why does the government expect parents who are making ends meet expected to pay thousands of dollars per semester for their children to go to college - especially when they are trying to repay their own student loans? There has to be a solution for this. Is there a grass-roots movement out there working to change this? Parents should not be responsible for paying their ADULT children 's educational loans. Why ca n't WF force my child to pay her debts?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo refuses to discharge it 's debt to the legal owner of that debt. Because they refuse to recognize the legal holder of that debt as the legal holder of that debt. 

I have a check given to me by my employer cut on wellsfargo paper properly filled out, even tho I have multiple forms of state ID even an armed guards license even tho my employer even called ahead and told em I was coming. I have no reason or want to own a credit card or debit card I refuse to have any direct business with any bank, I have no reason or want to travel outside of this country I do not need a passport. 

And even tho I have enough ID on me to prove OUT OF HAND to a judge in court or a COP ON THE STREET. 

I ACCORDING TO WELLSFARGO DO NOT HAVE ENOUGH ID TO GET MONEY THEY OWE ME. 

They told me to go to a check cashing service. 

XXXX WELLSFARGO THIS IS YOUR XXXX CHECK WHERE THE XXXX ELSE AM I SUPPOSED TO GO WITH YOUR CHECK? 

And WHEN THE XXXX DID CORPORATE PLASTIC BECOME ID? 

I can not open a XXXX bank account with a credit or debit card can I? Who the XXXX is wellsfargo to step in to the XXXX territory of local state and federal government by trying to pass thier XXXX corporate plastic like it is as good as a federal passport. 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 2016-01-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
While paying a bill online, ( XXXX ) A browser extension changed the master card number right before I hit submit from my credit card ( Sufficient Funds ) to my XXXX master card ( no funds in that account, and low funds in connected bank account at the time ). I called the vendor immediately and explained, and as i wanted to avoid their extremely high late fee, paid with an alternative method, I also went on pay pal to cancel the transaction, and later called Pay Pal to attempt to resolve this. In the meanwhile, pay pal made 6 attempts despite my communication and double paid the bill, This caused my account at Wells Fargo which was in the positive to generate XXXX NSF fees moving my balance from {$3.00} to $ -XXXX. I explained to the branch manager the situation, in addition to having my case escalated that they were unable to do anything on the system as they had already " forgiven XXXX fee before '' ( also a fee on a documented unauthorized transaction that generated XXXX fees ), and that was after the venfor reimbursed me these fees. I then received a generic email informing me that they were unable to refund any of the fees. To me this seems like at best complete catastrophe opportunism. More likely, this transaction was unauthorized and should not generate fees for which I am responsible. The fact that pay pal did this as a go between perhaps makes this a little easier for them to rob me blind, but I have made all efforts to communicate clearly and immediately when i realized a mistake was made. If I was at a store ( as opposed to online ), I could have said please cancel this transaction and let me use a different card ), to me pay pal should make this easier, but they are n't the ones charging me " FEES '', in some ways this excess fees could be seen as a 151 % interest loan ) XXXX on a XXXX transaction, except the bank never paid the fee.

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 2015-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo refuses to increase my daily ATM withdrawal from {$310.00} to {$1000.00}. I am in XXXX for work and unable to pay bills in a timely fashion with cash. There is plenty of money available but they want their fees. Disgusting company.

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 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is complaint about Wells Fargo Dealer Services. 
We have a car loan through Wells Fargo Dealer Services. We make our payment using their online payment system. This XXXX 2016, Wells Fargo Dealer Services requested an additional {$1300.00} above what we authorized from our checking account which is with XXXX. I spoke with both Wells Fargo and XXXX who we our checking account with on XXXX XXXX, to try to correct this issue. 
XXXX : XXXX XXXX, we made a {$360.00} payment to Wells Fargo via their online payment system. 
XXXX XXXX, we made second payment of {$500.00} to Well Fargo via their online payment system. Our total authorized payments to Wells Fargo Dealer Services is {$860.00} XXXX XXXX, XXXX sent a payment of {$500.00} to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. 
XXXX XXXX, XXXX sent another payment of XXXX to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. This is {$500.00} more than the total authorized with the XXXX XXXX and XXXX online payments. 
XXXX XXXX, XXXX sent a second payment of XXXX to Wells Fargo which cleared our XXXX checking account. This payment was not authorized by us. XXXX claimed this payment was made as a retry request from Wells Fargo. As of XXXX XXXX Wells Fargo claimed they did not receive this payment and would not have requested a retry unless a payment had not cleared. 
XXXX XXXX, Wells Fargo agreed to refund the {$500.00} XXXX XXXX payment they received. Wells Fargo said we would receive a check in 5 to 7 business days. 
XXXX XXXX, XXXX refunded to our checking account the XXXX XXXX XXXX payment that was sent to Wells Fargo and not received. 
XXXX XXXX, We received the check for {$500.00} from Wells Fargo and deposited to our XXXX XXXX account. This deposit was placed on hold by XXXX for up to 10 days. 
XXXX XXXX, XXXX notified us that the {$500.00} refund check from Wells Fargo is being returned and not deposited. 
As of XXXX XXXX, Wells Fargo has held {$500.00} that they were not authorized to receive and claimed to refund for 21 days. And we incurred a {$5.00} returned check fee from XXXX. 
Wells Fargo is holding money that is rightfully ours for their benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.

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 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.

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 2015-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. 

Please help as I can not imagine going through this again these next two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My mortgage was recently sold last year from Americas Servicing Company to XXXX, and during the transition ASC filed a foreclosure on my home while they were not servicing my mortgage and as a result this negative and derogatory information is plastered all over the internet for my home address of XXXX, tn XXXX as well as public records. The fact that my home did not foreclose, and is not in foreclosure and ASC reported it as a foreclosure has posed a problem for me that is very embarrassing and now my employer is asking questioning me about it. I feel that ASC should erase this information from my address. I am so upset, I can barely sleep all night. This is hard to deal with and I need your help in getting them to make the corrections to this problem that they caused.

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 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.

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 2015-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation