vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Integrated Recovery Services
State: NV

Complaint narrative:
Integrated Services XXXX at XXXX XXXX demanding payment through a debit card XXXX only. When I attempted to give them my XXXX XXXX Pre Pay Card the refused to take it, and then only gave me 24 hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in 24 hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Terrible experience with a mortgage loan modification.

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 2015-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I open an account at Wells Fargo in XXXX 2014. I open the account because I had direct deposit from my job, which the payroll department was Wells fargo. The first problem occurred when I did not get my direct deposit from Wells Fargo payroll the day I was suppose to like all the employees at my office. That caused over draft fees to my account. Then someone did a fraudulent activity on my account and I informed the bank. They had me open another account so they could direct my other direct deposit from my retirement. Another problem happen when the fraud activity occurred again the bank open my old account up to pay the fraud bills. I called and complained they said come down and move the money to the right account. I went to the Wells fargo in XXXX off XXXX. The bank manager transferred the money over to my new account. Little did I know about two weeks later the bank took XXXX plus dollars from my new account saying the teller made a mistake gave me too much money. More bounced checks, but no fees were taken for the fraud account. But now this is costing me money that they took for overdraft fees not thinking or caring about the mistakes they made. Now recently I started working a job. I got XXXX checks from clients XXXX was fraud they bank claims and they had the nerve to close my account causing my retirement check to be returned to the state of California. Now I can not pay my bills and all they can say is get me the dates and we will look into it. The bank make mistakes I pay for that I put in XXXX check and they say my account is closed and that is it They sent my check back and I went and open another account a business account and ask that the check be transferred there a bank rep that open the account for me tried to get it transfered but their lost prevention department said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: J.S Resolution Group, Inc.
State: CA

Complaint narrative:
This company called me to threaten me with legal action regarding a payday loan from a company ( some marketing group ) I know nothing about. It was explained to them that I had taken out payday loans several years ago and they have been paid. I was then asked if I had proof of the payment. I stated that this was several years ago and I do n't have any information regarding it and that again the loan had been paid regardless. The representative stated that I was going to be sued and that they were going to deliver paperwork within XXXX hours to my address regarding a judgment hearing and that I needed to make sure that I signed page XXXX of the document. I stated that I would not sign any paperwork and I hung up. This company called me on both my cell phone and home phone numbers stating that there was going to be legal action and that either myself or my attorney needed to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. 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 non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am receiving letters from Wells Fargo stating that I have to raise my flood insurance coverage and has forced place coverage on my current property. I have called them several times. They have stated they will reach get in touch with my insurance company which they have not. In addition to the Wells is stating all my insurances must match, which my insurance agent has stated is false according to the according to NC law, they must be with XXXX % of each other which they currently are. Wells Fargo is trying to force place coverage on my property when it is not required on XXXX parts. One they do not have replace cost estimator from my insurance company. The issue according to my Insurance agent is the my policy is currently withing XXXX % of all my other policies which is within NC law. No one can confirm where they are coming up with the replacement cost coverage other than they must match. The only thing I have seen on file is appraisal which is under the required amount and my insurance agent has emailed me the replacement cost estimator. My problem with all of this is that the investor on the loan is XXXX XXXX which Wells is servicing the loan for and now we are told this is Wells Fargo 's rule not the investor. Frustrating that a bank is making up the rules when it should be insurance company and the state that is providing the coverage. In my opinion Wells should have asked a replacement cost estimator from the current Insurer instead of assuming coverage is not adequate. I am sure if we look closely that the additional charge for the additional insurance cost is a benefit to Wells Fargo in some financial way.

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 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We secured XXXX student loans from Wells Fargo for our daughter for college school years XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. After graduation she attended law school so the loans were deferred for three years. During this time I received no information from Wells Fargo. In XX/XX/XXXX we were informed that the loan repayment was late. However we never received any information prior to the due date that we needed to pay. We did receive written correspondence after it was due. We paid the loan off {$19000.00}. It was late due to our bank holding some of the funds due to the amount. They then sent a bill for {$210.00} which we begrudgingly paid. We then received a bill for the second loan in XX/XX/XXXX with a due date XX/XX/XXXX. I mailed the check off on XX/XX/XXXX. However we received a notice on XX/XX/XXXX, that that payment was late and we now owed {$420.00}. It was not late they deposited the check on XX/XX/XXXX. My husband called them to find out what was going on and why we still owed them. She told him we were late and they needed payment. She advised him that if he sent in a check that we would then owe interest on the loan until the check was received. My husband asked so the interest never ends and the notice we received is always after the fact. She said we could never pay the interest off at that rate. We had to do an electronic transfer right then or be charged more interest. The finally told him the emails were sent to our daughter about the loans but NEVER to us. I told my daughter about this and she looked into her Wells Fargo account and it took her over an hour and digging into the XXXX to find a notice. They do n't want to notify you so that you can keep paying.

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