vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I have an under-developed eye, microphthalmia from the Agent XXXX, and since the age of XXXX I have had to wear a XXXX. The XXXX are very expensive ( XXXX-XXXX ) and they last 5-6 years. I got XXXX when i was XXXX and XXXX when I was XXXX because of how expensive they are. I am XXXX now. Because of the cost of the XXXX and the fact that they are not covered by insurance I have been unable to get XXXX since. In my early XXXX 's it became clear that i needed a new one. I had heard that some insurances were covering the XXXX or part of it. This was the only way that I was going to get a new eye as I could not afford it otherwise. XXXX is one of the only places that can make them. I called XXXX and had a lengthy discussion asking about how much would be covered by insurance and that I could not afford the eye or any procedure until I knew how much I would have to pay. The people at XXXX assured me that they would work out a financial deal with me that was affordable and to just set the appointment. I went to the appointment thinking we would discuss the bill before we did anything but they immediately sent me to the back room and started the procedure of making me an eye. Its a rather painful procedure due to the clay they form against my eye. After they did the procedure I asked them how much this was going to cost and what deal they would work out with me. Thats when the doctor slid an envelope over the table and said it would be XXXX. Obviously I reminded him that I could n't afford that and that it was why we needed to discuss it before making the eye. He told me that i needed to pay for it and then they could see if the insurance would pay some back to me. Totally unacceptable and not at all what I had discussed with them just days before. I refused that option. I never received the eye and then I get a collection on my report for XXXX. I do not owe this money as I never received the eye. On top of all of that I will never go to XXXX again for their deceitful and dishonest practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union had what they called a XXXX program ; they give you {$50.00} to start a savings acct if you are sponsored by a present member and an additional {$50.00} dollars for every one you sponsor up {$250.00}. My daughter was sponsored by a member that is a veteran ; my daughter in turn sponsored me because the rule was you could sponsor immediate family members ( verified this several times thru NFC customer service dept ). My acct was created successfully. I was able to login online and see the acct and change my password successfully. I then went on to try and sponsor other family members ; but when I tried to sponsor a family member to go thru the sponsorship process they were blocked and told by reps of NFC that my acct was not verified. I went back online and was not allowed to login to my acct.. I called Navy federal and ask why I could no longer login and after much questioning and asking for an supervisor I was told that the reason my acct was now not verified is because my daughters acct had not been verified. I contacted my daughter about it and when she contacted them she was told that her sponsors acct ( the veteran member ) had been flagged because another person the original sponsor of my daughter sponsored was a XXXX male and he sounded like a woman over the phone so they flagged him and every one associated with his sponsor. That just does n't seem right to me that you flag a person acct because they sound like a woman. I 've had numerous occasions over the phone that a woman sounds like a man and vise versa. But because of the way someones voice sounds you make a judgement call and not only flag their acct but everyone 's acct that maybe remotely connected to it ; especially after my acct was already setup. It just seems to be yet another fraudulent practice by a financial organization that I want to put out in the open and find out is this is a legitimate procedure to give a person an acct then disable it because of something like this. That 's my complaint. Just want to know if this is illegal or a fair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.

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: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I live in XXXX, NY and I use Wells Fargo bank. I have been with Wells Fargo since I was XXXX years old ( it was Wachovia Bank then but was absorbed by WF ), moved to XXXX at XXXX, and am now XXXX. There are approximately XXXX Wells Fargo branches in XXXX and none in the other XXXX boroughs of XXXX. When I need an ATM it is not convenient for me to go all the way into XXXX to use a Wells Fargo bank, and therefore end up using a non-WF ATM to withdraw my money. Wells Fargo charges {$2.00} every time I use a non-WF ATM in addition to the ATM fee which is usually around $ XXXX. So every time I get cash I am charged about {$5.00}. I do n't make a ton of money. I work in the XXXX and with ever-rising rents I just barely stay afloat. If I were to take the train into XXXX and back to XXXX just to use the ATM, that 's approximately {$5.00} on my XXXX! So I 'm paying this fee regardless and I 'm fed up! I use an ATM around once a week. $ XXXX/week for the ten years I 've been in XXXX comes out to about {$2600.00} just to use ATMs. {$1300.00} of which Wells Fargo takes as punishment for not using their bank specific ATMs. I want my money back!

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 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have reason to believe my account information for my Wells Fargo accounts was accessed by Wells Fargo personnel, without my permission.I contacted WF to get records of when my account was accessed, without my permission. They refused to release that information to me. They assured me that they address those situations in house, and that their policy is not to notify a customer when a WF employee accesses customer account information. I therefore as a WF customer have no way to know if my account information was viewed by WF employees, even if there were no unauthorized accounts opened. I still consider that to be a breach of confidentiality.

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 2016-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Here 's another complaint about Wells Fargo placing unfair and deceptive holds on my deposits. I deposited another check for {$500.00} at the ATM and there was NO MENTION of a hold at all. Then the next day, WF places a hold on the check without informing me ... Again, to basically try and scam me on overdraft fees. Now here 's the kicker ... they send me a letter in the mail saying " if you were not informed of the hold at the time of deposit, we will waive overdraft fees if you contact us. '' So basically they are saying they will scam you for Overdraft fees and unless you happen to be proactive and call them, they will steal your money. THIS IS CLEARLY AN UNFAIR AND ABUSIVE PRACTICE. I am disgusted and the CFPB needs to sue WF over the abusive deposit holds. Why should I have to call to get fees reversed? What if I never received the letter and never even knew? WF needs to reverse these fees without consumer action being taken. Very disturbing behavior again from WF. Also, they refuse to tell me why they are even placing the check holds to begin with. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a loan with Well Fargo Bank.. my car was repossessed on Tuesday XX/XX/2017 I totally understand that I was behind in my payment and my payment history was not the greatest. But I have the money to pay the back payments and they refused to take it and suggested I pay XXXX then I can get the car back ... I want my car ... I called everyone and they had me on hold for a total of 4 hour within three days and they said they can not reverse it,,, I know I made a mistake but I need my car and I have the means to pay and continue to pay. 
Please help 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 explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!

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 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Some of my outgoing mails were stolen with checks in it. The checks were payable to various suppliers and utility companies. I have been able to locate around XXXX such checks that have been stolen to the tune of {$70000.00}, These checks have been funded by Wells Fargo Bank erroneously. The fraud was not caught by the bank ... i had to report the same. I have challenged the bank about their payment on these checks while the benefactions name was specific to entities like the utility company. 

This has also been reported to the Police and XXXX XXXX. I would like immediate help to have this issue resolved with my 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 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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:
Wire transfer recall with XXXX missing and the bank refused to refund or send a letter to explain the issue. 
XXXX is missing from my account after a recall. I spoke with different agents to refund the money to my account or send a letter to explain to me what is happen. I heard different stories from different agents. 
XXXX : she asked me for money to trace the missing amount. 
XXXX : she said we do not charge customers for traceability process an she helped me to submit the complaint XX/XX/XXXX to her XXXX and she provided me the case number XXXX. XXXX said they will contact me within XXXX hours I did not hear from them. 
XXXX : I called today XX/XX/XXXX. XXXX told that his XXXX told him that the case was submitted XX/XX/XXXX this is not true because XXXX did already XX/XX/XXXX. 
Please feel free to contact me if you need more informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX 2015 we transfered XXXX into the XXXX from my wellsfargo account after we recently sold our house and made our moved to Florida. I proceeded to change my address to a close family friend until our tenant was ready to move out of the condo we had rented. XXXX froze my account and asked me to come in the branch in XXXX XXXX and verify my information due to the change of address, which I provide my drivers license, social security card, birth certificate, power of attorney, title documents proving the sale of the house and an utility bill for the address where we where receiving our mail. They then decided to close my account for unknown reasons and told me I would have to get wellsfargo to reverse the ACH transfer to the account. I went to the Wellsfargo office and explained the situation to my customer representative XXXX XXXX which filed for a ACH dispute which XXXX proceeded to tell wellsfargo that they where working with me personally to get my funds back which was a complete lie as I would n't have pursued such actions if it was n't for their lack of communication and cooperation to return our money. Over six months later and XXXX still has our money and has made no attempt to return the funds that where transfer. I am going to file complaints with the pertinent government agencies, SEC, consumer affairs, XXXX, The complaint boards, XXXX, XXXX, XXXX and every other agency we can so this does not happen to anyone else. We are getting ready to file a lawsuit if they are not willing to fix this issue immediately as we have dealt with enough of this nonsense. It appears that XXXX is trying to rob me and my family of our hard earned money and we will not allow that to happened. This company can not be trusted, they recently lost a lawsuit filed XXXX VS XXXX XXXX by their own employees due to their practices.

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