vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX my phone number is XXXX and email address is XXXXXXXXXXXX. 
First I would like to state that I have been a member with rushcard XXXX XX/XX/XXXX. On Monday XXXX XXXX they did a system update. i guess while updating there system a glitch happened. The glitch has left a lot of people unable to access there funds. i have not been able to access, y money sense the day of the update. i have not been able to put put gas in my car, pay for my child 's day care, get food and a number of other things. the most disappointing thing about it, when you call to speak with someone in regards to the issues, you cant speak with no one. I have waited on hold for hours and still the phone just hangs up. I am out of town working, with no family or anything so its really hard for me to get money. By the grace XXXX I have made it work for me adn my daughter who is XXXX years old. I have not been able to pay my car note or even the Insurance. I was subpoenaed to court XX/XX/XXXX XXXX and was n't able to make it to court because I could n't get a flight out of town, because I could n't get any money off my card. Now I have my finance company calling me about my car payment. I cant make a payment because I cant get my money. My car insurance is now canceled because I could n't pay the insurance. My daughter have n't been to day care because I have n't been able to pay. I cant get gas. I 'm also on probation, and have to pay probation fee 's XX/XX/XXXX or there will be a warrant for my arrest. This Rushcard system update has caused so many different problems. I just want to speak with someone to reassure me that everything is going to be okay. I have went days with out eating. I have went to a church to get food baskets and things like that. I have a XXXX year old daughter and I put her first always. Its getting cold XXXX, i cant even get her a coat to stay warm. I just need answers. 
Please can someone help me with this. i just need my money please. please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Had money in account about {$260.00}, went to pay a utility bill thinking had $ $ $ on the card, the clerk swiped the card for payment and she told me that the card is " declined ''. I asked her to swipe again and the same result. Left the payment center and had a good " cry ''!!!! Then I tried calling different # 's ( on back of card, their customer service and XXXX and all that I could think of ), and to no avail nothing. So please if you can help please do. Also, checked on Atm machines and it 's saying that I 'm in the negative, which I can not fathom, so please look into " our '' plight because we deserve an explanation on what has happened. There are a lot of families that " lost '' a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Money was taken out of my Wells Fargo account fraudulently XXXX and the purchase was made at a XXXX. I reported it to Wells Fargo who supposedly have give their customers XXXX liability against fraud. I called it in and was told I have to wait XXXX before I could even get a temporary credit back while they investigate when other banks automatically put the money back. I agreed knowing i never used the card as I was at work at the time the card was used. 10 days later they sent me an email denying my claim saying because i had my card there was nothing they could do about it. I read online and MANYYY customers have the same problem with them. I did not make that purchase and I need for wells fargo to honor their promise of protecting their clients against fraud. I have never had this issue with XXXX XXXX XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had an account with Wells Fargo that I paid on time every month with out any late payments. They reported a late payment on my account and although the account has since been closed they are continuing to report the late pay on my account and negatively impacting my credit score and my ability to get the best interest rates on credit. I paid the final payment with a check clearly dated on XXXX/XXXX/2012 as the payment was due on XXXX.

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 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is one of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a XXXX kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser ( XXXX XXXX ) return to the home ( it was in construction during initial appraisal, ) to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an XXXX. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by one of the most relable, accurate appraisors in the area as per XXXX . XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XX/XX/XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XX/XX/XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time

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 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
My daughter who was then over XXXX went to urgent care and signed in ; they even have the form. It was a type of workers comp injury from being a XXXX on which there is a WC case ( they also failed to check her a concussion not even doing a form as the neurologist says they should have but that is another story ) .. They billed me on my account ; I wrote them several times, not my bill, bill her separately and we can send it on to the wc and other insurers, Then when I paid on my bill and marked it was my bill only, they applied it to the charges that were not mine. They dunned me and sent it to an outside bill collector. when I sent a cease and desist letter, do not contact, he then sent me a new demand for payment .Others on XXXX have complained of questioned collection and billing tactics. Even when I wrote the head of the urgent care on XX/XX/XXXX, there still was no correction They even added a debt collection fee. They actually owe me a refund of {$24.00} which I demanded on XX/XX/2018 where through my bill pay I overpaid my bill. They also retaliated and when I complained pulled out an old bill on which the statute of limitations had ran and where I had disputed it and recalled even sent a payment in full payment. I wrote both the collector and the creditor, even sent a copy of the cease and desist statute and there was no correction or refund.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Credit card transaction was declined inappropriately. We called Wells Fargo to explain reason for declination. They stated that, due to increased fraud activity during the holidays, it was bank policy to decline all credit card or debit transactions. We rep also stated to us that she was required to tell us that this procedure was " for our protection ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I 'm getting emails from my bank informing me of insufficient funds in an account I did not open and that is not listed on my account list on the bank 's website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CrossCheck, Inc.
State: IA

Complaint narrative:
I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have business secured line of credit with Wells Fargo and had nothing but trouble with the card since XXXX. The representative assigned to my business loan account did not properly process my request and the APR increased from XXXX percent to XXXX percent. Since XXXX XXXX, I have called over 10 tens to get this issue resolved. I was verbally informed that my APR decreased ; however, I was never provided any paperwork. I called the executive office over 5 times to get paperwork resent. Also, contacted person from the complaint team and he did not respond to my calls in over two months. I called in to make payments and submit address change. I have not received any statement since XXXX XXXX advising me of my business account. Two weeks ago, I was informed that my APR was XXXX percent due to lack of payments. I called in and mailed payments to Wells Fargo. Well Fargo is engaging in predatory credit card practices. The Executive Office has failed to realize that my calls have gone answered and I am not receiving my statement. This is bank error as no representatives will contact me to let me know of my account status change since XXXX XXXX. My credit has been adversely affected and I have a predatory loan rate.

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 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I agreed to co-sign for the purchase of a XXXX XXXX XXXX for my roommate, and specifically advised the Car Dealership that I did not want my name on the loan document as a primary. Wells Fargo the lender began sending the monthly statement with my name as the primary owner of this vehicle XX/XX/XXXX. I immediately called Wells Fargo to complain about this problem and reported this problem to the Federal Trade Commission. Wells Fargo then contacted me to inform me that the loan document had me listed as the primary owner. I explained to Wells Fargo that I am not the primary owner, and that they needed to correct this error. This error is a concern to me because it is on my credit reports, and the department of motor vehicle in California has me as the primary owner and when this vehicle has received parking tickets my name appears on the citation. I would like the CFPB to assist me in correcting this problem, Wells Fargo has the ability to fix this problem by either correcting the current loan document or refinancing the vehicle with the correct primary owner ( XXXX XXXX ) and deleting my name from the loan document or placing me as a Co-Signer. This loan *XXXX has been paid on time and this should allow this financial institution to not have any issues considering XXXX XXXX ( Primary Owner ) has paid on time.

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 2015-06-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again.

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 — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!

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 2016-05-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware

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 2016-04-28 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Niagara Restitution Service Inc
State: CA

Complaint narrative:
Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me

Company response to consumer: Closed with explanation