vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 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 have had repeated issues with Wells Fargo Bank acting in ways that make me question their intentions. A series of pressures to force the creation of accounts with fees and consequences where the representatives say one thing but the account documents differ. Over a 1 year period they saddled me with a business account with a fee structure that was essentially impossible to satisfy. Then refunded these fees when I pointed out the entire thing did not match the terms of the agreement or the words of their own representatives. For months their FICO system which claims to report every 30 days would run as much as 90 days without an update. I had to dispute payments at all XXXX ratings agencies to get them to report. Now, suddenly, since around XXXX XXXX, 2016 I am denied access to the online banking system because somehow my account username and password do not meet their requirements. Requirements they neither notified me have changed nor provided reasonable recourse to resolve. I am now a second class customer. I ca n't risk Wells Fargo abusing this opportunity to recreate my accounts. They receive a {$350.00} direct deposit twice a month and I ca n't even check my balance online or use their also broken autopayment system till I agree to these changes where no documentation has been provided at all and, as a member of the banking industry myself, they are obviously not being truthful about this being a compliance issue. I am filing this complaint because I think they are engaged in unethical behavior and given the recent reports of XXXX employees fired for making unauthorized account changes I no longer believe I can trust them. As I owe their institution nothing, I will simply draw out my pay on a regular basis in person until I get a rational expectation in writing why I should change not just my password, but also my username for their online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments

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 2015-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My daughter and I purchased an adjustable bed from XXXX in XXXX XXXX with free financing for a year. The first payment of approximately {$90.00} was due in XXXX, however, after the XXXX payment, I paid $ 100 monthly. In XXXX I received delivery of Living Room furniture, and thought I would be able to continue paying $ 100 monthly because in XXXX XXXX, I was going to pay off the entire balance. I did not discover until I received a statement from Wells Fargo in either late XXXX or early XXXX that I owed them more money. ( See Exhibit A XXXX Bill Pay XXXX ). On XXXX XXXX, XXXX I made a payment of {$490.00} ( Also See Exhibit D indicating I paid {$390.00} plus my $ 100 monthly payment ) .and Exhibit E, explaining the payment in detail. Sometime in early XXXX I was advised that it was not possible to return my {$390.00} check back. 
I made an arrangement with my daughter starting in XXXX XXXX to pay the additional {$52.00} that Wells Fargo required as minimum payment and she set it up with her banking bill pay for automatic payment every month this year, at which time I intend to pay the balance in full. ( See Exhibit B XXXX Bill Pay spreadsheet ). Upon information and belief, we had satisfied Wells Fargo 's requirements. Today I received the XXXX Statement ( Exhibit C ) indicating that I have a debit of {$430.00} on my account and my monthly payment is now increased {$250.00}. I had to place several calls to Wells Fargo to find out where this debit came from, when it was posted and WHY my minimum payment had increased from {$150.00} to {$250.00} when I 've continually paid them on a monthly basis and have not purchased anything since XXXX XXXX. 
It took the agent some time to find out what had transpired since and the agent finally discovered that the Bank, without my knowledge or approval and despite what I had been told by Wells Fargo Bank which was indicated in my XXXX XXXX, XXXX letter to US Treasury Help with My Bank, I had asked for the {$370.00} back ( {$390.00} minus the {$26.00} in arrears ) and they advised me that : " that was not possible ''. TODAY, I discovered that they not only retruned the {$370.00} back but also the {$26.00} in arrears back, without my approval or knowledge and have no not only increased my monthly amount due, but also sactioned additional late fees. See E2, E3, E Attachment 1, E Attachment 2 & E Attachment 3.. I do not know when Wells Fargo assessed these charges, I requested the date of the posting but was never advised.

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 2015-07-20 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: CrossCheck, Inc.
State: VA

Complaint narrative:
I wrote a check at my optometrist for glasses and they ran the check through Cross-Check for verification. The check came back declined, not for lack of funds, or bad check history, but the optometrist thought it was because the check number was too low. There is more than sufficient funds in the account. I contacted Cross-Check and you can not get a live person. I filled out a request for a credit report and reason and the report came and said : " Cross Check has detected no negative data regarding you or your check writing history. In addition, CrossCheck did not access any other source in evaluating whether to approve your check. Rather, in this instance, CrossCheck decided not to bear the risk of your check 's dishonor based solely on industry parameters that CrossCheck established. " This basically said that the industry parameters are their own and the declined the check because they felt like it. If it is indeed because the check number was too low ( although they did n't say so ) what should I do, throw out all my checks and start at XXXX? They have not given me a reason why I was forced to use a credit card. Will this random and arbitrary event happen again? This is outrageous. It 's also embarrassing to be told in public with lots of people around that your check was declined. They should not be able to make this determination without a real reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been review my credit report and came across an account from Wells Fargo that is not mine. I called Wells Fargo and would not provide any information of that account to me. This account is not mine and should be removed from my credit reports.

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 2016-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with XXXX and was unsuccessful. XXXX has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like XXXX to rescind that sale and stop ruin my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a customer of Wells Fargo 's. Several fraudulent charges were made on my checking account at locations across the country. They erased the charges ' existence, only gave me a fraction of my money back and will not even explain what is going on.

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 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A credit card was issued in my husband 's name and never activated or used by us. To make sure the card got used, Wells Fargo Bank transferred the checking account that I have had since XXXX solely and as primary with my husband as secondary to my husband. This means they manipulated not only the account but our Social Security numbers for account ID. This was all done without our permission. I already filed case # XXXX which addressed the credit card. That took 90 days and several trips to the bank branch to get all fees removed, close card, and remove the credit card from our records. Just today, XXXX/XXXX/XXXX, I found out that they stole my bank account!!!!

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 2015-07-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Genesis Lending
State: NJ

Complaint narrative:
Just received information about the lawsuit filed against XXXX Colleges to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via Genesis Lending when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. Career services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least 3 times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. I have been out of school since 2013 and paying back my loan since then and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.

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 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
this story is truly un fathomable and most of the answers i have gotten from this part of the bank fall short of accountability i hate bureacracy. but its everywhere. i went to use my business atm card issued in XXXX and it did not work this am i am now bing told it was deactivated yesterday. no one told me i have no idea why. emails all day stupid as anything not one tells me who did it why or offers to tell me which card i can use since i do have another or when i will get another. but they email all day long wasting my time. between not being able to get to my money with no warning, time on the phone on hold this is truly unbelievab ; le/ i want to know who and why my business atm card was turned off and i need it turned on again. or i need to know if other card i have ending i think in XXXX usable or i need a new one. its bad enough last month XXXX closed my account without my permission i can not take the fall anymore for all these mishaps youb have a lot of money there to pay people not to help customers efficiently. i want to know which card i can use to access business account asap and why it was closed. without warning. period not emails all day long saying les than nothing. no reasaon exists to have closed my card what about telling me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been a model customer for wells fargo with a mortgage loan since XX/XX/XXXX. I never missed a payment. 
However, I am currently trying to refi the mortgage by consolidating the existing loan and a home equity loan I took on from them as part of the original package and it feels as if they are doing everything to make it impossibly hard to get through the process. How can this happen for an existing customer. The process is impossibly convoluted, the number of documents they need is unbelievably long. The mortgage consultant is not responsive and caused the first rate lock period to expire and now they are trying to add around {$2500.00} to the loan closing fees. It blows my mind that they do n't simply allow existing customers to just switch to a lower APR and streamline the process. 
We started the process XX/XX/XXXX and we still have n't closed the deal. They even asked me about an address in XXXX I had from when I was a graduate student back in XX/XX/XXXX-XX/XX/XXXX. Just insane how impossibly difficult they are trying to make it this process for me. It sickens me that financial reform did n't manage to fix these banks.

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 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received this certified foreclosure notice last weekend pushed under my door and being notified that the foreclosure will take place the end of this month. As you can see, the foreclosure notice was dated XXXX XXXX and yet I found it under my door ( partially opened ) on XXXX. I did not sign for this certified mail and XXXX Bank and Wells Fargo did not let me explore ALL the loss mitigation options. I had suffered financial hardships including my sick mother who finally succumbed to a XXXX XXXX years ago and then my wife who had XXXX XXXX and that XXXX went into XXXX. Despite my efforts to try catching up for the late payments, Wells Fargo asked me over the telephone in XXXX 2015 to stop making payments until I pay up all the overdue payments. I asked the staff who told me to put the request in writing but never did. Wells Fargo staff would give you a run-around and blame everything on the investor, the XXXX 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