vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
WE HAVE TRIED TO JOIN SEVERAL MILITARY ADVERTISED BANKS AND CREDIT UNIONS AND THEY HAVE MEMBERSHIP REQUIREMENTS THAT ARE NARROW AND DO NOT PERTAIN TO SIMPLE VETERANS SUCH AS MY HUSBAND WHO FOUGHT IN THE XXXX WAR. THIS IS DISCRIMINATION TO THE VETERANS OF THIS COUNTRY THAT THESE ADVERTISED MILITARY BANKS DO NOT LET VETERANS APPLY FOR A SIMPLE CHECKING ACCOUNT. I NEVER THOUGHT I WOULD SEE THAT THE UNITED STATES DISCRIMINATES AGAINST OUR VETERANS AND IS ALLOWING MILITARY ADVERTISED BANKS AND CREDIT UNIONS DISCRIMINATING AGAINST OUR VETERANS WHEN ADVERTISING THAT VETERANS CAN IT FACT JOIN. I CAN NOT BELIEVE THAT OUR VETS ARE BEING TREATED THIS WAY AND I WOULD APPRECIATE YOU CHECKING INTO ALL THESE INSTITUTIONS AND ASKING THEM WHY THEIR MEMBERSHIPS ARE SO RESTRICTIVE. IF THIS IS OK WITH THE FEDERAL GOVERNMENT WHEN THESE ENTITIES ARE IN FACT FEDERAL MILITARY BANKING SYSTEMS AND THEY ARE DISCRIMINATING AGAINST OUR VETS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.

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 2015-11-16 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My issue started this morning when I received a call from Wells Fargo. They called to inform me that my {$15.00}, XXXX loan would not be honored even though I met with a Banker on Friday XXXX XXXX to confirm and sign for the loan based on the terms and reasons that I had been asking for the loan. 
I was informed that the money would be in my Account Tuesday morning. After leaving the Bank I went ahead and wrote a check to a furniture store for the items that we needed since we recently moved to XXXX. What I do n't understand is ; why all of a sudden the terms have changed and the agreement that was discussed last week can no longer be honored. We have no furniture at the moment and we were looking forward to the money that the bank had agreed to lend us. It recently came to my attention that the Bank did not intend to give us the {$15.00}, XXXX loan to facilitate with the furniture purchase and in turn pay off credit cards with the remaining balance of the loaned amount. The Wells Fargo underwriters are not changing their stance even though this was fully articulated the moment I set foot into their bank. 
We are now faced with a Major dilemma because the furniture store is expecting payment and we now had to inform them that we can not pay it due to the fact that the bank will not honor their side of the loan. Furthermore, we are faced with return costs to the furniture store and shipping costs that are close to {$300.00} due the Wells Fargo 's negligence and inability to honor a loan they provided. I am deeply upset and frustrated that this would be a painful experience. We want the bank to honor the agreement and provide us with the funds that will aid in getting furniture and clear off debt. It is now clear that their intent was not to aid in providing a loan for us to get furniture and pay off some outstanding debt. They want to loan us money and they also want to dictate how we use those funds. 
This is why we are writing to you today. Hopefully you can be off assistance because we need some help to get this resolved quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to me.

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 2016-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A financial package was submitted for the borrower 's to be reviewed for a loan modification on XXXX XXXX, 2015. The submission date is XXXX days before any scheduled sale date. Wells Fargo Home Mortgage has not provided an ackowledgement letter confirming receipt of the package or a missing documents letter within XXXX days of the submission date ; therefore delaying the borrower from being reviewed for a loan modification within a reasonable time. We are requesting an acknowledgement letter confirming receipt of the package and a missing documents letter which details ALL the pending documents needed so the borrower may be reviewed for loss mitigation options within a reasonable time-frame as allocated by the Consumer finance protection bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is an ongoing complaint against Wells Fargo Bank NA.this will be my last complaint to expose them on how they do business and take advantage of a situation to suit there needs and manipulate the rules to there satisfactions.

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 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and 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 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.

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 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an Opportunity checking account with Wells Fargo that required one year of keeping an account in good standing -meaning it was to be an actively used account in order to have upgraded features after 1 year, such as ability for outside atm deposits, larger amount withdrawls, higher daily spending limit etc,. The account did not include any monthly service fees for having a direct deposit each month. 
At the one year mark around XXXX 2016 I visited the branch due to deposit issues and a misplaced direct deposited check from SSI which was somehow routed into a closed account ( i believe which was previously suspected to be compromised when charges I did not authorize began to occur ) My direct deposit was ultimately located but once that was resolved I also began to see monthly service charges that were not agreed upon, with the switch to a new and secured account, I was then not allowed the new account features as agreed upon. Staff stated my account had not been open a year, then once I escalated the concern to show what occurred, they then stated it was not in good standing due to overdraft charges ... but the overdraft charges were due to debit transactions that had been processing out of sequence or very delayed ( even though I tracked and managed my spending not to mention had been complimented by Bank teller employees about the good standing and mngmt of my account ) yet resulted in multiple overdraft fees mostly for reasons I could not decypher or was able to predict. Also, I was unable to process my car payment due to continued limits on my account ; the amount was declined to process on time resulting in fees to my lending company, so I immediately closed the account because of nit being able to have access to my own money in order to pay bills and the fact that Management refused to fully refund my money for their transaction processing errors resulting in multiple over draft fees. They would only agree to proving me with a portion of the costs despite lengthy conversations by phone, I was then instructed to just go into the branch and handle it with management. There was an issue with my car payment which actually DID then process after my account closure! & Fees added after the fact..I had to dispute this because it resukted in a dual car payment to my lender. I was refunded the money for this but would appreciate it being looked into further since it seems very unethical and I have not heard anything from Wells Fargo since.

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