vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife purchased a leather jacket in XXXX, XXXX. She was not charged the value added tax ( VAT ), but was given a form to take to the customs desk at our departure from XXXX airport on the day of our departure. She told my wife that if we did not take the form as directed our credit card would be charged the VAT tax. We did as directed, and left XXXX. On returning, a subsequent credit card statement from Chase included the VAT charge, with the 'merchant ' listed as TAX REFUND DENIED. When I called Chase, the person I spoke with had no idea what it meant. I told her I was pretty sure it was related to the VAT. I of course disputed the charge, as we had complied with the merchant and filed the form with the customs desk. I have gone back and forth with Chase several times since my first call asking about the charge. I have been told by XXXX different Chase representatives ( XXXX a supervisor ) that Chase policy was to not dispute VAT charges. I was told I would have to deal with the merchant ; however, Chase has failed to identify what merchant placed the charge on my card, nor has Chase informed me as to what authority the un-named merchant had to place the charge on my card ( it is {$110.00} ). Chase has sent me a letter stating in writing that it is something I need to take up with the merchant ( the one that Chase has not identified ). I told Chase that my dispute at this point is not with the unidentified merchant, but with Chase for allowing an unauthorized and bogus charge to be placed on my credit card, and then refusing to remove it when disputed by me. I have also pointed out the misinformation and confusing information I have been given by Chase during phone calls with Chase representatives. I am still pursuing the matter with Chase, but wonder how it can honor a charge that is not only bogus, but then inform me the issue is between me and the merchant, as though Chase is simply an innocent bystander.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Several years ago, when my children were very young, I lost my job a the XXXX because of a RIF, ( Reduction in Force ). We had already moved to a larger house and I was trying to sell the older, smaller home when I was laid off. I fell behind on the payments. The Bank was not happy, but I worked out an agreement to catch up the payments, ( borrowed money from family ) and the Bank sent me a letter. That letter said I had to catch up the past due payments in full by XXXX XXXX, 1992 for {$2700.00}, which I did. I have the letter and the Bank receipt. I soon found a job and I put the house up for rent as started making the regular payments again the very next month. 
Well, what I did not know at the time, was that the Bank, XXXX, had been acquired by XXXX XXXX, later to become Wachovia, and then Wells Fargo. Whoever it was, they refused to acknowledge the written agreement set forth in the letter that they sent, returned my check and started foreclosure. I had a significant amount of equity in this property and for whatever reason, they continued with the sale of the property on the steps of the XXXX County Courthouse. When I got advanced notice by certified letter, that forced me into a Bankruptcy. Well, that did n't stop them. They sold the property on the County Courthouse steps anyway. And too bad for them that Federal law trumps State law, they had to reverse that sale. It was ugly. 
The Bank was not happy. I was now dealing with XXXX XXXX, one of the biggest Banks in the country and they were extremely hostile. When I came out of my Chapter XXXX payment plan 3 years later, they went right back to their old ways and refused to make a proper accounting of my loan balance. They could n't. They had lost control some how. They refused to acknowledge the correct balance. Enter my second Chapter within months of my first Chapter being discharged. That too has been discharged. I pay my debts if given a chance. 
In my view, I had a written agreement with the Bank to bring my payments up to date. I met the terms of that written agreement. I still have those documents. I can not begin to explain the problems this has caused for me and my family. I believe it was a fraud and an attempt to make a quick sale of my property because it had a significant amount of equity. Because I was forced into XXXX Bankruptcies, this has cost not only time and money but also in my ability to gain adequate employment. 
I tried years ago to sue the Bank for this Fraud but there was nobody willing to take on a major Bank, until now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.

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 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.

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 2015-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have been delayed in our mortgage payments for the past months because of a XXXX and Wells Fargo Mortgage XXXX tried to enroll us in their loan modification program. We were asked by our direct contact in the company to remove some liens on the property so we can move forward with the loan modification application which we did by going to the XXXX courts and have the judgments vacated and liens removed.. Unfortunately, as soon as we have submitted the court documents, Wells Fargo informed us that the court documents are not enough paperwork for them to get us on board with their loan modification process and that we are headed to foreclosure. We have documentations of ALL communications sent over to Wells Fargo as well as confirmation on the phone that if we are able to deliver the court documents to them on time then we can get the loan modification application approved. This is big bank trying to harass small American citizens with threat of foreclosure even if we have had the mortgage for almost XXXX years with them and it is even an ARM XXXX. Even with a life event, the bank is not willing to give us the chance to recover from our loss of income and take advantage of any available program to keep us back on track and keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX XXXX, I requested that my school send in updated verification information to continue my in-school deferment for my Wells Fargo student loans that have been in deferment since XXXX XXXX. On XXXX XXXX, XXXX, I was contacted via telephone by a Wells Fargo representative, who confirmed that my enrollment verification information was received, asked a series of questions, and told to expect a response within approximately 10 days. On XXXX XXXX, XXXX, after being notified my loan was no longer in deferment, I called to verify the status, and I learned that my deferment was still being processed. 
None of my other student loan lenders request updated enrollment information to continue a deferment for a four-year XXXX program ; it is only Wells Fargo that mandates annual re-applications for deferments while in a four-year program, and Wells Fargo still has not updated my deferment even after receiving the needed enrollment verification one month ago, causing my loan to go into repayment.

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 2017-02-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I attempted on several occasions to obtain assistance with the late fees on my account which were incurred while I was in the hospital from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with Target Card Services DBA TD BANK. I have spoken to the following agents : XXXX, XXXX, XXXX. Supervisors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
I have never been late on this acct since I opened this acct until I landed in the hospital. I requested only XXXX Late fees to be waived of {$38.00} and {$36.00} and they refused as I was more than 30 days late.. I have never had this issue with none of my other credit card accts until this one. They are extremely rude, unprofessional and have on several occasions violated UDAAP. This is not a professional way to be running a bank in this capacity. They refuse to allow me to speak to anyone in charge above their phone supervisors.. I have offered to fax my hospital paperwork verifying this to be true. and the bank refused to remove my late fees and review my documentation. have other accounts with other banks and never had this issue before and this is quite disturbing. Not to mention these agents have committed many UDAAP. This is something that needs to be seriously investigated as they do not think they have to follow any laws as nothing applies to them except their made up policies which they said they can change at anytime with no notification to the customer. I completely disgusted with this organization. I would not call them a bank after they treat their customers the way they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My interest rate changed in 2015 and I was not informed. My payments were {$.00} short, a whole dime for 6 months. Wells Fargo began calling me stating that my payment was late. They charged me fees of {$28.00} as a late fee. When I checked my account they had pulled my {$240.00} payment on time every month. It took almost an hour of talking to customer service for someone to tell me that because I was {$.00} off for a total of 6 months of payments I was considered late and in default. I explained I was not informed that my interest rate had changed and was told that I should be monitoring my account as they do not send notifications. I was charged {$28.00} dollars and considered delinquent over {$.00}, not even a dollar. Had they informed me correctly I would have adjusted my payment as it comes out automatically because I have checking accounts with Wells Fargo. The tactics and fees are disgusting even to people who are trying to pay on time and are solid customers of their bank.

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 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
For several years Wells Fargo have been charging me overdraft fees for insufficient funds in my checking account. Several of my bills had to be set up as auto payments. 
I have requested that Wells Fargo not make the payments if the funds were n't there because the late fees are less than the {$35.00} overdraft fees. 
I was informed that this is Walls Fargo policy for auto payments and debit card transactions. 
They will not let me opt out. 
They are taking advantage of the lower income people. 
I had several overdraft fees in the last month alone, so it is hard for me to get ahead with my limited Social Security income. 
Is there any way to get these charges reversed and opt out of overdraft protection. 
Thanks in advance 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 monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XX/XX/XXXX@XXXX. My old Western Union account was compromised. I had n't used this account since XX/XX/XXXX. Someone stole my information and made several money transfers to XXXX, XXXX XXXX. I spoke to XXXX at Western Union and told her I never made these transactions and she told me not to worry about it, it 's just a spoof. I demanded to be transferred to a supervisor. XXXX ( employee number XXXX ) told me my account had indeed been hacked and my information and my son 's information was used. My name, address, social security number, telephone number, my credit card number, my son 's name XXXX XXXX and his old telephone number XXXX XXXX. Per XXXX, XXXX XXXX used a passport to pick up the money and he has a credit card in my name and transferred money. XXXX would n't send me a fraud email because it 's against Western 's Policy. He provided me with a fraud number. I 'm displeased with Western Union for the simple fact they downplayed their hacking issue. XXXX told me only my Western Union account had been hacked and he would suspend the account. Since then, someone has created XXXX accounts and charged services in my name. All my information has been compromised and people are charging items, applying for credit cards, and sending money/transferring money. This is fraud. I did n't authorize the use of my information, my son 's information, or any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a Business Checking Account with Wells Fargo and they withdrew a service charge every month until the account had nothing left without my knowledge ...

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 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. 
I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in XXXX 2016 and 4 days past due XXXX 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter XXXX when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I purchased a mattress from XXXX in XX/XX/XXXX, with the delivery date scheduled for XX/XX/XXXX The day they delivered the mattress, they gave me a statement that showed all of my charges, totaling {$1100.00} XXXX with tax ). It took almost a month before I received my bill from Wells Fargo. When received it, I immediately noticed I was charged for XXXX mattresses instead of XXXX. I had my original charge on XX/XX/XXXX but was for some reason charged again on XX/XX/XXXX I have contacted both mattress and more, as well as Wells Fargo and have come to no resolution. I was told by a Wells Fargo Representative that my minimum amount due is {$77.00}, which is double what it should be since I was charged for more than XXXX mattress. I was also told that while this is being looked into, I still have to pay on the account, or will be charged late fees. I notified them that the double charge has also reflected on my credit report and I was told they would complain about it but nothing has been done. XXXX and More told me this was all a mistake on their end, but that they 've resolved it. Unfortunately, it looks as though nothings been done on the end of Wells Fargo, as every time I call them my amount owed is still showing the same.

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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Bank cancelled my credit card due to a transaction the rental car company placed 3 weeks after my business was done with them.

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 2015-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.

Company response to consumer: Closed