vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I 've fell behind on my payments with navy federal credit union, car loan, credit due to unemployment after I received another job my car was repossessed and I paid nfcu my payment and the repossession fee which turned out to be XXXX dollars my vehicle still was not released due to nfcu telling me I would have to pay the repo company there share which is now XXXX also my checking account was overdrawn XXXX dollars and they closed my account along with my credit card account I 've noticed I 've been spending more money than I started off paying I believe I 've paid half of my car loan off by now but it appears as if my car loan has became the same price as when I purchased it, also the bank told me I would have to pay them before they were to re open my account which is strange considering my account had direct deposit and they closed it out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Our property school tax bill was due on XXXX XXXX, XXXX. I received the bill on XXXX XXXX, XXXX and forwarded a copy of it to our mortgage company, Wells Fargo. Wells Fargo wrote back to me on XXXX XXXX, XXXX stating they receive this bill directly from the tax office and will be making this payment from our escrow account, and that I do not need to send this bill to them in the future. So they have a copy of the bill and know the taxes are due and the correct amount that is due on XXXX XXXX, XXXX. To date, Wells Fargo has not paid these taxes and we are now being assessed penalties of XXXX % every other month. The amount due is currently {$3500.00} with penalties of {$350.00} for a total due of {$3800.00}. I received a notice from the XXXX XXXX XXXX XXXX, to which these taxes are owed, stating that our taxes are now delinquent and a lien may be filed against our home. I have called and spoken to various representatives at Wells Fargo over the past 3 weeks. I spoke to XXXX XXXX on XXXX/XXXX/XXXX and she said the taxes would be paid by XXXX/XXXX/XXXX. They were not. I called again on XXXX/XXXX/XXXX and spoke with another representative who said the file would be escalated and would be paid. The taxes remain delinquent. There is plenty of money in our escrow account to pay these taxes. The notations on our account state that the next tax due is XXXX/XXXX/XXXX. This is incorrect but Wells Fargo refuses to change it or pay the taxes that are now 5 months late.

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by XXXX and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with XXXX or go to court to vacat the judgement and now we are not able to pay our rent.

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 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Did n't withdraw money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint.

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 2015-12-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help?

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!

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 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
" funds received '' of {$1000.00}, on XXXX/XXXX/XXXX as Doc XXXX shows under " activity since your last statement ''. same statement dated XXXX/XXXX/XXXX under " important messages '' part of which reads " starting XXXX XXXX, XXXX checks will be sent for all refunds, regardless of amount. '' no check but, a credit to my account. Wells Fargo did not do as statement reads. same mailing as Doc XXXX & XXXX explain the reason for refund and a credit ( not a check ). Wells Fargo did not allow me to be in control of the money they took from me. then after getting caught taking my re-fund they decided to add the amount to my principle. I feel it was not right for Wells Fargo to make this decision without my consent via the above rule that they stated in writing about overages. 
Wells Fargo added insult to injury as Doc XXXX show a " XXXX '' for {$1000.00} as received XXXX/XXXX/XXXX in which I had to pay taxes on the amount credited it the principal of my loan, which was a loss around {$200.00}, that I would have gotten back on my taxes. 
Doc XXXX shows more interest income for {$24.00}. I believe I have never received that refund, and I had to pay taxes on that amount as well! 
Wells Fargo has taken money from me, returns it to me but, decides to pay on the principle of my loan which benefits them ; and only after getting caught then you know what those nice folks did next, why yes, I have to pay taxes on the money they took form me, and already paid taxes on to pay the taxes again. Therefore, the end result was that I paid taxes twice on two different amounts, I believe that is double dipping and I am sure this is not legal. Also, they did not follow their own written policy regrading overages and refunds. 
When I called Wells Fargo on XXXX/XXXX/XXXX to inquire about this concern I was told that, " well sir we could sent you back the payment you just made at the XX/XX/XXXX ''. I thought, no thanks if I took that offer I would have to pay taxes on that in XXXX. During the same conversation they had the audacity to ask if " would you like to refinance with us '' not now but thanks for nothing.

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 2016-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC
State: ME

Complaint narrative:
I talked to a loan officer in Florida where I am trying to relocate to. He advised me that the only way to buy a house there before moving was to buy it as a second home. He knew from the beginning that the intent was for it to be a primary home. He advised us to give all the money we had saved to a XXXX party to " gift '' to us, as no funds would have to come from our account. Every thing was going as he said it should until 2 weeks before closing. Underwriting told him that 5 % of the funds had to come from our account, But we had already gave all the money to the XXXX party as he told us to. We told him we could put the money in there but it would be cash, Then he advised that I sell a vehicle or other valuable item so the money we need could be sourced. He admitted that it was his mistake and when it seemed he could not fix the problem he found another item underwriting had an issue with to try and blame his mistake on. Lost all the money we had invested for appraisal, inspectors ect. We even had yard sale and sold half our belongings on the assumption we could close on the house and move in a few months. My wife who is pregnant is seeing a doctor for all the stress that was created from the situation of losing the home and loan. As I was filling out this form tried to get copies of good faith estimate and other documents the website wont allow me to veiw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.

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 2016-04-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CB1, Inc.
State: MT

Complaint narrative:
My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.

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

Complaint narrative:
I am very upset for the reason I have tried to work directly with my new mortgage company Wells Fargo.However they do not want to review my loan for a modification, I provided my income and my sons contribution for proof of income. However ; Wells Fargo executive office did not helped me they just turn me down. At this point I am doing all I can to safe my home, my home is severely under water. With the income I have I am confident I can keep up with an affordable mortgage payment. But Wells Fargo is just prolonging my loan making me fall behind more, the executive department advice me that even with the increased of income my loan is not eligible. This is not acceptable because I was told by an agent from Wells Fargo if there is a change of income I can always re-applied. Therefore I have and nothing is been done. For the record my intentions were not to fall behind but due to my divorce and extreme loss of income it was impossible to keep up with my mortgage payments. I have my rights as a home owner and I know my loan is not been review fairly. For the reason that I summited a complete modification packet on XX/XX/2016. Then is was denied XX/XX/2016. Wells Fargo just took six business days to review my documents how is this a fair review. Please help me I do not want to loss my home. My monthly income is {$2600.00} this includes my son contribution, and my monthly expenses are {$2300.00} this includes my current mortgage payment also I have a surplus of {$320.00} at the end of the month. I do have enough for an affordable payment, they keep changing my information. Due to all of this I believe that Wells Fargo is engaging in fraudulent and deceptive practices, they are basing most of their information on assumption, even though I have provided all the necessary documentation. I need assistance and I hope a solution is found to this ongoing issue.

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