vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
PLAN BY WELLS FARGO TO KEEP CONSUMER IN DEBT I have a credit card with Wells Fargo bank, the interest rate was 10.00 % for the first few years and suddenly about 7 years ago, wells fargo almost double the interest rate, they raised it to 18.60 %. Since these years, I have called bank hundreds of times, wrote complaint letters requesting for reduction of the interest rate and every time my request was denied and they told me that they are not able to reduce the interest rate. After many complaints for many years, they referred me to their executive office, I sent another letter of complaint and requested for the reduction of the interest rate, someone called me from the executive office and again, denied the request. I requested that they should let me know the reason why this request has continually been denied, so that I can work to correct whatever the issue is, but the representative said she will not disclose the reason why my rate could not be reduced. 
In the meantime, Wells fargo has doubled the credit card spending limit by increasing the spending limit on my credit card, within a span of 3 years, the bank increased the credit limit from {$7500.00} to the current credit limit of {$14000.00}, in all of these increases, there was no time that I called to request for any credit limit increase, wells fargo has increased this amount without me asking for it. In my complaint, I told the representative that if my account qualified for credit limit increase, that it should also be qualified for interest rate reduction, but they denied it. 
There may be other card holders who are being subjected to this same plan by the bank to keep card holders in perpetually in financial debt, this is a plan by the bank designed to keep people in debt.

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 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo 's last letter to me stated that I willingly put a check in online and it somehow appeared in a specific branch. Upon speaking with a customer service agent of another bank, that is impossible. When a customer takes a picture of their checks, they still have the check itself in their possession. So if you take a picture of your paycheck, and upload it to us bank. It does n't show up in XXXX if you deposit it online or via mobile in XXXX. When it 's a picture taken online or via mobile app, it is still visible to you. Unlike when you go to an actual branch, it is taken from you. But mobile banking and online banking both do n't have any way to put the check in any specific branch. I did not willingly put anything anywhere. Knowing that I have told their representatives I only get ssi, and knowing that nobody gets {$15000.00} in ssi, that would be logical that my account was highjacked. The most one person may get in ssi, may be about {$2500.00} to {$3000.00}, but no more than that. As well as they stated that if you report that funds were put into your account as an unauthorized access to the account, then as long as you report it within 60 days, it should be resolved. If they think willingness, is about giving permission, it is not. If I willingly put {$15000.00} in that account, and making only XXXX a month in ssi, I doubt I willingly put anything anywhere. How can I come up with XXXX, when at most, one could only get {$1300.00} from XXXX payday loan companies? {$730.00} + {$1300.00}, equals nothing close to {$15000.00}, and the person who put it in there is XXXX XXXX, in XXXX, I do n't think that 's logical. And also, they state that in their funds availability policy, that any amount over {$5000.00}, is to have the first {$200.00} available the first business day after that was deposited, well then if that be the case, mine were available the first day they were put in. XXXX XXXX is the check issuer, but that check holder is XXXX in XXXX. And by federal law, he should be in prison for committing a purposeful fraud against wells Fargo. But wells Fargo looks at me for fault, when the last time I 've travelled outside of XXXX, is when I was a very going minor child. The check was unclear to me online. I do not know any XXXX XXXX, with XXXX XXXX in XXXX. Willingness is not permission. If what they state is true, then why was the check from an XXXX account, and XXXX address. And what about the check being from XXXX XXXX, in the fact, that they refused to hand over certain information that would have prevented me from being held liable.

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 2015-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!

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 2016-09-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received it.

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 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Wells Fargo for Wells Fargo 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX, received a demand letter from creditor, Wells Fargo. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My hardship started on XXXX XXXX, XXXX. When my wife XXXX had an accident at XXXX leaving her almost XXXX, this was a really stressful time for us. Due to my wife 's health I was forced to miss many days from work, my previous employer just could not work with me missing days, or sometimes I needed to leave early to take my wife to her XXXX. I always provided a doctor 's note to my boss, but however he was looking for an excuse to let me go due to missing many days of work. Shortly after I got fired from my job, this was a major blow because my wife was not getting any income, we depended on my income. Also hospital bills were coming higher every time and we could n't afford the mortgage as well. I was fortunate to get hired at XXXX XXXX XXXX As a XXXX on XXXX XXXX, XXXX I am making {$750.00}. Bi-weekly at this new company. Also my wife XXXX is only getting Social Security income of {$710.00} per month she stop receiving the workers compensation since the end of the year. As you may check on my bank statement the last month she received workers compensation was on XXXX XXXX, XXXX. This brings our income to a total of {$2200.00} now I did inform Wells Fargo in regards to this change of income during the appeal process, but Wells Fargo decided that the trial offer was affordable even with my loss of income. This is really frustrating because Wells Fargo want me to make the trial payments even when my income has change. I decided to escalate my file to the Executive office, agent XXXX XXXX was extremely rude with a condescending tone every time we contact him, I feel that he could have done more from his end, that was the reason why I escalated my loan because I am tired of re-applying every time either Wells Fargo always uses the wrong income. I was offer a new trial and Wells Fargo used {$0.00} income and was able to provide me a non affordable payment once again.

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 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.

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 2016-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED 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 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had difficulties making my payments due to a decrease in income and because of my monthly expenses being to high. My hardship began back in 2012 when my significant other and I separated. The lose of his income caused me to fall behind on my expenses and even my mortgage. I am taking care of XXXX children with only XXXX income at this time. It is difficult to stay on top of my children 's expenses and household expenses. Before the situation was to hard to deal with I attempted to apply for a modification numerous times but was denied. I have been denied over and over again since 2012. This has caused an even greater hardship on myself. Not only have I lost my partner but I am constantly being reminded that I may loose my home. Due to my file being denied several times ; I keep falling further and further behind making it impossible to catch up. The current situation of possibly losing my home has caused so much XXXX on my family and I, that I am constantly sick. 
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.

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 2016-10-06 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo customer submitted a mobile deposit of {$700.00} on XX/XX/2016. On XX/XX/2016 {$700.00} was deducted from customer 's checking account after an online debit card purchase made through amazon. Customer then filed a claim for fraudulent debit card transaction of {$700.00}. Resolution of claim states that the initial check deposited was used in a XXXX deposit ( unbeknownst to the customer ) and the withdrawal made on XX/XX/2016 was an adjustment made to reverse the duplicate mobile deposit. Customer destroyed original paper item used in mobile deposit made XX/XX/2016. While the claim was under investigation, the customer was asked to open a new checking account. When funds were transferred to new account, the fraudulent transaction was erased from customer 's transaction history and account statements. Customer was asked to file a XXXX claim with mobile deposit department instead of debit card transactions department. Customer was never reimbursed for fraudulent charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation