vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX one of my savings accounts had {$150.00} with no pending items. The one bill I pay from that account comes in about this time, so I transferred {$30.00} from another account In the morning of XX/XX/XXXX. In the afternoon, the {$170.00} payment was debited and Wells Fargo charged me {$35.00} as an overdraft. I have XXXX different accounts at the bank and never have opted in to overdraft on any of my savings accounts, that would make no sense. I called to have it refunded because this is a violation of Regulation E. The rep and her supervisor would not refund the full amount, claiming that savings accounts are not covered for overdrafts that are the result of an electronic payment. I 'm not an attorney, but I respectfully disagree with the bank. At any rate, the savings account could have automatically transferred funds from its linked checking account or any of my other XXXX cash accounts.

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 2015-05-13 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 
Unfortunately, no call I received from the broker. After my intervention the broker called me, he made XXXX trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 
Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 
Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within 24 hours. 
However, they cheated me, no any response to this day. 
I accuse Chase Bank of discrimination and loss of money. 
Such behavior is serious criminal act against Bank 's clients, because they allow fraudsters to feel impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo on XX/XX/XXXX overnight arbitrarily changed all online account settings so that I could not see all my accounts on XXXX page. They eliminated the tabs for navigation and hide them behind a MORE + button. I am upset because I can not see my money in XXXX place as was the previous practice at Wells Fargo. If I can not see my money in XXXX place than I can not trust the bank to secure my money. 
It is my concern that the bank is separating me from my money by making it harder to find my money and harder for me to administer my accounts. Using a drop dead deadline the bank should be banned. The banks place of trust has been destroyed. I can not trust the bank to be a safe custodian of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance. We questioned it and they said it was because they rushed the card to us via XXXX. We did n't ask for that. They said they would take that off our account and over 2 weeks later it is still there. I ca n't believe a credit card company like this stays in business since all they do is put it off for a board review. While I may be one person. My Brother-in-law also signed up for card for the same reasons and he has run into same problem. Lies after lies and always being put off.

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 2016-05-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Visa card, to which I have several automatic payments attached. Within the last couple years, I had to close the account ( get a new account number ) once when my son lost his card and then again when Capital One changed to chip cards. Changing account numbers is a real hassle for the consumer who has payments tied to the card. 

Several times the fraud department has declined transactions, even though they were n't fraudulent. Typically, I could respond to a text or email and retry the transaction, but this is n't very convenient if others are waiting in line behind you at a store ( especially at a grocery store checkout, for example ). 

Yesterday was the last straw with me. I received a call from the fraud department regarding some small charges, none of which were fraudulent. In fact, one of the charges they asked me about was a regular monthly charge that has appeared on my account for over a year. Apparently, their computer program " suspected '' that there was a fraud problem, and they insisted on closing the account. I spoke with a supervisor in the fraud department and told her that I did n't want my account number changed yet again, especially since it was a chip card ( supposedly more secure ) and there were no fraudulent charges. She just gave me the spiel about the computer suspecting something and insisted on closing the account. I asked to speak with her boss, and she told me she does n't report to anyone, which I find very hard to believe. So I told her I 'm done with Capital One. Apparently, they do n't care about losing business. 

Questions : Can they close my account against my will even though there were n't any fraudulent charges? Are there any credit card issuers whose fraud departments are more reasonable to deal with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WAFD BANK
State: AZ

Complaint narrative:
After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
XX/XX/XXXX Wells Fargo in XXXX XXXX, South Dakota, contacted me about refinancing my mortgage under a government funded program. I paid for an assessment but my application was declined. In XX/XX/XXXX Wells Fargo contacted me again to tell me that the criteria for government program had changed and that I should now be eligible for refinancing. The loan officer advised me that if I took out a loan to consolidate some of my unsecure debt my application was more likely to be approved so I did so. I also had my home reassessed because they could not use the previous assessment. My loan application was denied again.

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 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Windham Professionals, Inc.
State: OH

Complaint narrative:
I am requesting debt validation for an account Windham Professionals XXXX is reporting on my credit report.

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 2016-11-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX of this year I asked Navient, my student loan company, to change the due date from the beginning of the month to the XXXX of each month because it would make it easier for me to make the payments. As a result of this simple request, to which they had agreed on, I have had nothing but problems with my monthly payments. First, instead of changing the dates they put my loans into forbearance without my authorization. I found out about this the next month when i saw my statement showing the total loan amount increased instead of going down despite the extra payments they had ask me to make. They kept billing me different amount for the next XXXX month telling me I have a past due amount. After having talked a dozen times to different representatives and several supervise who kept telling me the problem was resolved, I was told that I had overpaid XXXX loan ( i have XXXX loans with them ) and that they had applied all the finds to XXXX single loan instead of dispersing it evenly among all the XXXX loans. Once again they told me it is resolved and I should wait two days and the record in the computer would update and it never did and they keep billing me different amounts, they are constantly calling me that i owe money and my payments are past due and this is been going on since XXXX of this year. At this point i do n't know what to do or who to call to get this situation fixed so that I can make my monthly payments the way that I have for the past several years, but unfortunately no one knows what they are doing and every time they tell me the exact same thing that it is taken care of and that I should wait two days for the computer to update and two days later I get calls again and the same things repeats. Please, this is a desperate call for help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: KY

Complaint narrative:
Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.

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 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After leaving my job due to an illness, I had a verifiable loss of income, I started receiving continuous ongoing Social Security which was lower my income. After several months trying to get the lender to work with me, I was offered loan modification, I was contact and rushed by Wells Fargo to submit my documents within two weeks. I was denied due to not enough income. 
I have not been offered any other options. I know through the FHA loan modification program my payment could be as low as XXXX, which is 31 % of my monthly inome.

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 2015-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I applied for a Home Equity line of credit through Navy Federal Credit Union. They completed an appraisal. My loan officer assigned was XXXX XXXX. I had to leave repeated voice mail messages with XXXX which I received no response. After multiple attempts to reach XXXX, he told me that my loan was denied due to underwriting guideline he stated was provided by the Federal Government that individuals require two years of self employment to be eligible for a line of credit, despite providing business tax returns and current business financials. This is arbitrary decision to refuse to use my self employment income when Navy Federal Credit Union offers small business loans for new businesses. I also believe that XXXX 's complete lack of customer service was shameful, and his refusal to answer calls or respond after two months is an absolute embarrassment.

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