vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Niagara Restitution Service Inc
State: FL

Complaint narrative:
On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. 

On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. 

Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. 

Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. 

During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a customer with Wells Fargo for nearly 20 years -- we have our checking, savings, credit card and mortgage accounts with them. In XXXX I called Wells Fargo XXXX Customer Service and asked them if there would be any issue depositing a check from a XXXX bank ( in XXXX XXXX ) into my Wells Fargo checking account. I was told that there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. Based on this information, I requested the check from the company in XXXX and paid for it to be send via XXXX to me. Upon receipt of the XXXX XXXX check ( approximately {$1200.00} USD ) on XXXX XXXX, I went to my local bank branch and was able to deposit the check without any problem after the service manager gave her approval on the back of the check. The funds remained in my checking account until XXXX XXXX when after checking my account online, I found that the funds had been removed from my account and the check was returned to me along with a letter explaining that it was Wells Fargo 's policy since XXXX 2014 to not accept checks from XXXX banks for immediate deposit. The letter explained that it had to go through a collections process to recover the funds which could take between 4-10 weeks. To ensure that I had not heard the XXXX customer service representative incorrectly, I called them again and asked the same question -- I was told the same answer : there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. At no point was I told that it was Wells Fargo 's policy to not accept foreign checks for immediate deposit and at no point did they point out that the check would have to go through a multi-week collections process before the funds would be deposited into my account. Unfortunately, after repeated calls to the Branch Service Manager and the Branch Manager, they were not willing to fix the mistake that they had made. At no point did I bounce any checks or overdraw my account, but as a long-term loyal customer of Wells Fargo, I am not being treated fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score. 
I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance. 
Apparently it is taking them more than 10 days to " receive '' and " process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I purchased an engagement ring and wedding band. The jewelry was purchased with a credit card agreement with Wells Fargo. There was no interest due if the total balance was paid within 12 months. I had problems with the engagement ring and filed a complaint with Wells Fargo within the 12 month period against the jeweler. Wells Fargo told me that the account would be put on hold and no payments needed to be made until the dispute was settled. Today I received a statement from Wells Fargo stating that {$850.00} in interest was due along with the balance on the jewelry. I called them and they said the dispute was settled. I never received anything stating that the dispute was settled. They said they sent a letter on XXXX/XXXX/XXXX. I never received it. The interest was charged on XXXX/XXXX/XXXX. The account was supposed to be on hold. This does not make sense. They will not remove the interest charge. PLEASE HELP!

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 2015-11-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CB1, Inc.
State: MT

Complaint narrative:
I have a about XXXX to XXXX things on my credit report that I do not believe belong there in 2013 my significant other was killed in a car crash the owner of the car did not have insurance now my late significant others medical bills are now in collection for me and I do not believe that I should be charged with these there is almost {$10000.00} also there is another report on my credit that is from Child Support that I have never had to pay child supportthere are about XXXX more reports on my credit I do not believe be long to me and I do not believe I should be hurt by them I am trying to buy a house and can not get financed because of the negative reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hi, My son got a credit card from Wells Fargo and he was not XXXX and per the law does n't he need a parent to co sign of the credit card? He was issued a card at XXXX and did not have a parent co sign on the card. He is in debt {$1700.00}. A law was passed in 2009 aiming to protect consumers from mistreatment by credit card companies. The law included the following provisions : 1 ) card companies may not change interest rates unless a payment is late or the card has a variable rate, 2 ) credit card bills must be delivered at least 21 days before their due dates, 3 ) adults must co-sign on accounts for someone under XXXX XXXX XXXX, and 4 ) credit card contracts must be posted on-line. 
See # XXXX I am outraged with Wells Fargo preying on children that are not XXXX giving them a credit card!!!!!! 
Sincerely 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 2015-09-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Monday XXXX XXXX I attempted to transfer XXXX from my Wells Fargo savings account To my Wells Fargo checking to cover a check I had written on Sat XXXX XXXX. Wells removed my XXXX and applied it to a Wells XXXX creditcard account with " XXXX '' balance. XXXX at credit services states that my money will not be transfered back to my checking account for approximately 30 days while research is being done, due to the large amount. Meanwhile the check written on the XXXX was covered by overdraft, to which I will be charged fee 's. XXXX ( XXXX XXXX wells customer care case # XXXX ) confirmed they will not return money until researched. 
they were able to remove the money immeditely but now want to hold for THEIR benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?

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 2016-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.

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: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.

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 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NFCU was freezing my account for various pay periods. Which caused me to have some financial hardship and eventually switched banks. The froze my accounts and I did n't have access to any money, because of an account that my ex-husband had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.

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