vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.

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 2017-01-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX LEASED VEHICLE WITH WELLS FARGO BANK 60 MONTH LEASE WITH PAYMENT HISTORY CURRENT THROUGH XXXX XXXX XXXX XXXX VEHICLE TOTALLED IN ACCIDENT DURING XXXX INSURANCE PAID REMAINING BALANCE ON LEASE IN FULL XXXX XXXX XXXX, WELLS FARGO REPORTED TO ALL XXXX CREDIT REPORTING AGENCIES THAT MY LEASE AMOUNT OF {$25000.00} THAT ORIGINATED IN XXXX XXXX WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY FILED IN XXXX XXXX, DISCHARGED IN XXXX XXXX. 
THIS INACCURATE REPORT HAS CAUSED FINANCIAL HARDSHIP TO THE EXTREME THAT I HAD TO PAY EXHORBITANT INTEREST AND FEES ON LOANS, IN ADDITION, I AM NOW WITHOUT A VEHICLE DUE TO THE REPORTS CAUSING ME NOT TO QUALIFY FOR AN AUTO LOAN ANYWHERE IN THE UNITED STATES. I HAVE DISPUTED THE ERRORS NUMEROUS TIMES WITH ALL XXXX CREDIT AGENCIES WITH XXXX RESULTS OF REMOVING THE ERRROR REPORTED BY WELLS FARGO. INSTEAD, WELLS FARGO CONTINUES TO UPDATE THE PAID IN FULL LEASE ACCOUNT FROM XXXX AS DEROGATORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am the XXXX of my mother 's estate. I have all the necessary documents from the probate court along with the death certificate. I went to the Wells Fargo branch to close out her savings account. I was told that they needed the EIN of her estate account. I have not had to set up an estate account for her other investment accounts, etc. I informed the bank manager that I do not need an EIN to close out the account. He refused to disperse the funds. I contacted a probate attorney and he verified that Wells Fargo does not need to know the EIN to disperse funds. The funds can be dispersed through a check made out to 'the estate of ' but they do not need an EIN to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with Wells Fargo. I wrote checks to my cleaning lady and she deposited them electronically to her bank account. Subsequently, she walked into Wells Fargo and was permitted to cash the check ( for a second time ). This occurred on at least XXXX occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK
State: TX

Complaint narrative:
I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.

Company response to consumer: Closed
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Judgment against me I was not served

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.

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 2017-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.

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 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.

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 2015-12-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Navy Federal Credit Union issued fraudulent debit card and XXXX credit under my forged name in XXXX, 2015. I called and had accounts shut down and have learned I have been the victim of identity theft. Attempts at other institutions were made - BUT ONLY NAVY FEDERAL 'S WENT THROUGH - without apparent verification and opened with a STARTING {$25.00}, XXXX credit limit! This company has some serious regulatory issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Related : Case number : XXXX and XXXX ( Note : It is important to have independent documentation so Wells Fargo ca n't come back later and make further questionable statements. ) I filed case XXXX this morning and would have updated it if I could have. 

On the Escrow Account History ( attached to that case ), the bank shows XXXX payments, XXXX to XXXX XXXX and XXXX to XXXX XXXX. 

I changed my homeowner 's policy in XXXX 2016. I was able to obtain better coverage at a lower rate from XXXX XXXX. I canceled the XXXX policy. 

The bank paid both companies. The bank paid twice for the same thing - insurance. 

The bank should not have paid XXXX XXXX. 
Either the insurance company issued a refund to the bank and the bank FAILED TO RECORD it to my account or the bank received the cancellation notice and ignored it. 

The bank has played similar sneaky tricks in the past. When my former insurance company went out of business, the bank initially FORCED me to pay for their own overpriced insurance company, despite my obtaining coverage from XXXX XXXX. 

If the bank had not mistakenly paid both insurance companies and then " mistakenly '' not recorded a refund to my account, there would be a substantial OVERAGE in my escrow account. 

Wells Fargo has once again, deliberately created a problem for this old woman.

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 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX, I had XXXX checks clear my account. XXXX for {$300.00} and the other for {$160.00}. On XXXX/XXXX/15 I transfered money from my other checking account to cover ATM transactions and some other Credit transactions. Please see the attached document, which clearly shows I had a posititve balance post on XXXX, yet they still are charging me {$35.00} for each check that cleared. The other credit transactions, along with my transfer has not even posted yet. I understand an authorization was placed for those credit transactions, however, if the balance was negative on XXXX after checks cleared, why did they authorize more transactions? Wells Fargo has a habit of back posting debits/checks if they see it will make your account go negative. I have experienced on more than XXXX occasion, yet they wait to credit deposits. I have XXXX separate checking accounts ( XXXX are mine and XXXX is my son 's ) I realize having XXXX accounts confused me on which acct I was using for those credit transactions, which is why I immediately transfered cash from my other account, which had more than sufficient to cover my transactions. As you will see from the attached document, it shows a positive balance of {$18.00} AFTER the checks were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys

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 2016-10-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I filed Chapter XXXX bankruptcy ( XXXX ) and succeeded in getting XXXX student loans included and discharged based on undue hardship. The same month that I filed ( XXXX ), Wachovia changed the name of the loans and re-aged them to XXXX and reported this new information to the credit bureaus. When the discharge was final, ( XXXX ) the original loans were listed as " Included In Bankruptcy '', " Balance {$0.00} '', but I now had these re-aged, renamed loans on my credit report ; therefore, I still had the same student loan debt. 
When I wrote to Wachovia about the matter I was told student loans can not be discharged in bankruptcy and that Wachovia did what it was supposed to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. 

I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.

Company response to consumer: Closed with explanation