vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I apologize for having to intrude on your valuable time with this matter. I do so as a last resort having exhausted all customary channels with the local representatives at Citizens Bank. 
I had XXXX IRA CD 's at XXXX ( XXXX ) maturing in XXXX. In XXXX I received XXXX Maturity Notices from XXXX showing the maturity dates and details of the XXXX CD 's. At about the same time I also received a solicitation in the mail from Citizens promoting a 15 month 1.5 % CD. I visited the local XXXX NY branch of Citizens bringing the letters from XXXX and the advertisement I received from Citizens. I met with XXXX XXXX XXXX. I explained to him that, although I would be out of town, it was my desire to transfer the XXXX CD maturity proceeds to Citizens when they matured. XXXX XXXX XXXX said that he could collect the proceeds from XXXX upon maturity of the CD 's to fund the new CD at Citizens. We agreed, XXXX XXXX XXXX made copies of the letters from XXXX and he completed the necessary transfer forms while making several phone calls to get instructions on how to fill out the forms. I signed the form as he requested. 
Upon my return home several weeks later, I was surprised to find a mail notification from XXXX advising that the proceeds were transferred prior to maturity, resulting in an early withdrawal penalty of {$2400.00}. XXXX XXXX XXXX erroneously processed the transfer requests immediately, approximately 5 days and 13 days before maturity. He did not wait until after the maturity dates as he agreed to do. The early transfers resulted in a {$2400.00} penalty to the CD balance plus a {$370.00} tax liability. The original XXXX CD rates were 3.25 % and 3.44 %, much higher than the 1.5 % rate I received upon transfer to Citizens, so there was no incentive to transfer the CDs to a lower rate before maturity. 
I am requesting that Citizens Bank make me whole by reimbursing me for the loss I sustained as a result of Citizens Bank failure to follow my instructions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: LA

Complaint narrative:
There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )

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 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am in the process of refinancing my existing mortgage to drop the PMI Insurance, with the same bank, Wells Fargo, that is holding the current mortgage. I am not changing the terms of the loan or cashing out. I 've owned the home for 3 years and have done a lot of work, it was bank owned by Wells Fargo, when purchased for XXXX and in non livable condition. When I locked in at a rate to refinance I was asked what I thought the house was currently worth. I told the lender of comps that had sold between XXXX in the past 6 months, these homes were smaller in size and my lot was XXXX the size, I also am directly on a pond with water views. Well the appraisal that I paid for came in at XXXX, which seemed odd to me but that 's not what rattled my cage. My lender then told me that the terms of my refinance were going to have to change because my house did n't appraise out to at least XXXX. I am baffled at this. My house has about XXXX in equity which is about 56 % increase. I was only looking for 20 % to drop the PMI and now I 'm being told that my rate will be higher to do this. I 'm very angry because I had other banks who offered to push this through and would hold to my current rate which is XXXX. I stayed with Wells Fargo because I thought it would be easier and I could keep the loan with them. They were the bank who originally owned the house when I purchased it. I was not informed that if my appraisal did n't come out at XXXX my loan terms would change??? I was locked in and was told I just needed to show a certain debt to income ratio and have the appraisal come out over 20 % to drop the PMI.

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 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo consistently changes the order of my transactions to put me in the negative and then rails me with overdraft fees. The {$300.00} charge on my account is being charged before prior purchases, as to put me in the negative, and then hand me {$35.00} overdraft fees on 3 very small purchases I had made prior while in the positive. I am about to be out {$140.00} in fees alone because of this malicious practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to my account

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 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.

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 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I tried to have my mortgage re-financed through Wells Fargo. I paid {$430.00} for an appraisal of my home. They ultimately did not give me the re-finance, but told me my appraisal was good for 6 months. I went to another mortgage company and they want an appraisal as well. I told them to use the XXXX I just had done for Wells Fargo. They said it would be fine, but Wells Fargo has to transfer it into the name of XXXX XXXX. Wells Fargo is ignoring my requests and The man from XXXX XXXX 's request as well. I feel that because I paid for the appraisal it should belong to me, not Wells Fargo. I want them to transfer the name on the appraisal to XXXX XXXX so I can continue with the refinance of my mortgage. Wells Fargo is also who I have my mortgage with now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open account?

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 2015-11-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
spoke to CSR name XXXX XXXX XXXX AT Navy Federal Credit union, representative told me as he was talking over me, I owe {$340.00} from over 17 years ago, I said to my knowledge I can not remember what that charge was for may I know what it was for? he stated he can not find that info but to be pat of navy fed you must pay this balance. I advised him I would nor would anyone pay a bill for a reason they can not recall making. I would gladly pay for it if I knew the charge. he continued to interrupt me with more questions as I was trying to gain information such as, why did you wait until now to pay? um maybe cause I did n't have the money ... any way, I asked to speak to a manager ( XXXX XXXX which I 'm sure he was more then happy to transfer me to. Supervisor XXXX was delightful and very pleseant to speak to awesome awesome customer service and very knowledgeable. XXXX complete disappointment to myself in my opinion to navy fed and to himself.

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 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was charged a late payment for sending in a double payment on XX/XX/XXXX so I called them ( the person I talk to said this has been happening to a lot of people that send in extra payments ) I told him I put on the slip, payment and on the next line I put extra principal payment and they charged late fee? I called them on XX/XX/XXXX and they mailed me my late fee back. So I sent them my payment {$460.00} PLUS {$20000.00} for principal and the next statement on XX/XX/XXXX did not apply anything to my loan everything said Unapplied ( {$20000.00} ) and I am still charged interest on the original loan amount I oued in XXXX XX/XX/XXXX I got letter for wells fargo saying I requested loan modification, and I NEVER requested that, you would think they would realize I can afford my payment when I send an extra {$20000.00} with my payment .I FEEL LIKE THEY ARE COVERING SOMETHING UP, The new statement I received has the balance of XXXX but they put on XX/XX/XXXX that I have unapplied {$20000.00} please help I do n't know what to do? Also my other home with XXXX charged me 3 late payments last year for making double payments, I had to call them 3 times to get it reversed and and they kept saying my mortgage is with XXXX ( they are a loan serving co ) .i wonder how many people they do this to that dont pay attention to there statement.

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 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal put hold on {$2000.00} of my SSI partial pymt ( lump sum ) on Saturday after releasing it early on XXXX XXXX 2016 rather than the XXXX of XXXX. 


I have a bill of XXXX ... I make monthly pymts on my secured credit card with them ( Navy Federal ) They claim that my deposit I put up for secure pymt on credit a year ago was n't received ... which they confirmed a year back that it was. SSi deposited my regular monthly pymt and a day later part of my 'lump sum ' ( {$2900.00} ) in my credit union savings account. The secure credit card department of credit union put a hold my SSI lump sum.They did n't send a letter or call me to inform me of this. When I called after noticing the money missing from account..I was just told it was being put on hold.I was told this was an illegal action..what can I do?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief