vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER 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 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Issue : Collateral XXXX $ not released as promised on a recorded line : Background : I applied for a Wells Fargo secured card in XX/XX/XXXX and the card did n't come through for a month. During the XXXX month period I called XXXX times to check on the card and each time I was advised the card was sent, I always asked for the balance since I did n't receive the card and was told there was no balance. Then XXXX fine day I received the card and a statement followed after couple of days which had a fee and interest charged. 
I called up customer service to find about the charge and close the card ( which was never activated ), I was ok to pay off the charges but annoyed since no one told me about it even I asked every time when I called every time to find out the where about of my card. 
Finally I closed my card on in the week of XX/XX/XXXX and was told my collateral would be released in XXXX days, since I was n't happy about it and asked to speak to a manager, manager then transferred the call to customer service team and the gentleman on the phone waived the charges and promised collateral will be released and should be in my account latest by XX/XX/XXXX. 
Since XXXX $ were n't transferred back to my account as promised, I called back the customer service # on XX/XX/XXXX and was told it collateral will take XXXX days. I even spoke to a XXXX and she said she could n't help as repeated the same script. I even asked to be transferred to the person I spoke to but was told they ca n't see names hence ca n't tell me the name of the person. 
This is unacceptable since I was never activated the card and closed it because of inefficiencies at Wells Fargo 's end. 
Prior to this I also had issues with my checking account. Wells Fargo is the worst bank to bank with.

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 2016-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I received the attached document from Wells Fargo and know that I have no outstanding debt with Wells Fargo.

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: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011

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 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.

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 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i 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 2016-06-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
I have received a voice mail ( standard non-personal voice mail ) from a company alliant capital management ( on a phone number I 've never spoken to them on ) disclosing I supposedly owe them a debt ( without verifying who they are leaving leaving the message for, on a phone I share with other people ) threating legal action " to the fullest extent necessary '' if I do not contact them within 24 hours. The representative, XXXX XXXX also called my parents and disclosed my debt to a third party. This is a complete invasion of my privacy which is supposed to be covered by the FDCPA ; who also is supposed to protect against threats by debt collectors. Also I am stating that I am unaware of such debt or the means of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: KY

Complaint narrative:
After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.

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 2015-08-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX at XXXX. Central Time, I spoke to a Supervisor XXXX regarding the status of my account ( did not tell me that this was an effort to collect a debt ). He gave me the details and I asked for options available for my account. XXXX option he gave was that I could attempt to sell my car to a dealer. I told him that I would explore options and proceed as needed. On XXXX XXXX, I visited a dealership and they attempted to call WFDS to obtain a payoff quote for my car, and when they were attempting to get a payoff, my account was not to be found. They attempted via my SSN and name and was unsuccessful. I visited the dealership again on XXXX XXXX as I was going to sell my car. They again attempted to contact WFDS and they were again not able to locate my account. The dealership proceeded to obtaining an approximate payoff and closed on my new loan. On XXXX XXXX ( at XXXX Central Time ), XXXX from WFDS called me to inform me that I still have an issue with my account ( to my knowledge, she did not inform me that this was an effort to collect a debt ). I explained that I sold my car to a dealership and she proceeded to tell me that if they do not receive the payoff check within a certain amount of time, they will pick up my old car from the dealer. I explained that I spoke to a supervisor to explore options and that attempts were made for a week to speak with someone and she indicated that since there are no documented calls, that she essentially did not believe me. I told her that they could not document a call if my account could not be found. She was going to call the dealer to see what is going on. I called again at XXXX to ensure that she did what she told me she was going to do, which she did. I brought up the unable to locate my account situation again and said that if they could bring up my account on this call, why not for the past week. I told her that there were multiple attempts and explained that she was pretty much calling me a liar. She said I was putting words in her mouth and that since ALL calls are recorded, they could play back the recording. I told her that I had explored the options laid out to my by XXXX, and that since calls are recorded, she can pull up that call to hear the conversation. She told mentioned that supervisor calls are not recorded, how convenient. I asked her now what and she said that they were going to discuss my account. I told her that I am considering this resolved and she said that even though the car was sold to the dealership, it is still my issue. 

As with any other experience with this company, the customer service has been poor and uncooperative. This is not how a company should operate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation