vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?

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 2016-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an adjustable rate mortgage with Wells Fargo Home Mortgage. 
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail. 
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have given permission to my son, XXXX XXXX to handle all of my financial affairs which is noted and accepted by Wells Fargo. Obviously I have been taken advantage of at least once already. I am an elderly woman who comes from a generation where we were taught to trust our banks. Obviously I made a huge mistake trusting Wells Fargo and XXXX XXXX. As I have previously stated, the most important part of deciding on an HECM loan is understanding the complexity of said loan. Most seniors and adults of any age have a very difficult time understanding Reverse Mortgages. Most HECM loans require intense counseling to understand XXXX pages of critical information pertaining to the pros and cons of a Reverse Mortgage. That 's where the lender should step in to not only help the senior find an approved counseling agency per the Office of Elder Affairs. The XXXX of Massachusetts still cautions seniors on getting a Reverse Mortgage and recommends that each senior bring their own lawyer to the closing. Apparently Wells Fargo seized this opportunity to con my my mother into signing for a Reverse Mortgage. The salesman also must inform the senior of other more suitable options than an HECM. XXXX spent a largely inflated XXXX at closing along with XXXX which was supposed to go into escrow so she would not find herself in a position where funds have dried up and she falls behind on paying her property taxes, home insurance and upkeep of the property. The sales man realized that XXXX had access to at least {$44000.00} and no longer saw her as a senior attempting to do what was best for her after retirement. Instead, the salesman XXXX XXXX used the opportunity to do what was best for himself. He wanted to close the loan at the end of the 2010 fiscal year on XXXX XXXX, 2010. He used his skills of deception, bullying, lying and coercion to ensure the mortgage could be over and done with quickly, so he would receive his commission and XXXX would not have the time to seek legal advice. Wells Fargo has already submitted the HECM document to the CFPB that clearly indicates that the counseling was not done in person and not approved by the Office of Elder Affairs. As a matter of fact, the XXXX XXXX XXXX company located in Florida was/is not even licensed to counsel anybody in Massachusetts. One major flaw that was not on the original HECM counseling form submitted to the CFPD is the alleged removal of the {$650.00} she was charged for illegal counseling. The reason for this " OVERSIGHT '' is because I alerted Wells Fargo to the fact that HECM counseling costs roughly {$120.00} and in some cases ; it 's free. Wells Fargo still uses deception and fraudulent tactics to this very day.

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 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC
State: CA

Complaint narrative:
I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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 over {$400.00} dlrs in overdraft fees. Prior to this problem i had checked my account and had a small balance of {$17.00} dlrs ( about ) and that was on a Friday, about tues of the following week i checked my account and was already over {$300.00} dlrs overdrawn. I called the bank explain to them that my account was ok on Friday and a few days later was overdrawn more then {$400.00} dlrs and i had not used my debit card since the {$17.00} balance, i was told that my balance was not accurate because they do not post every transaction therefore it causes the overdrafts and that i had no choice but to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! 

Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. 
I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 

2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 

3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. 

Thank you so much for reading this! Good luck and may XXXX prevail!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, I had a XXXX student credit card from Wells Fargo Bank. It was sold to a collections agency because at the time I could not keep up with my payments. XX/XX/XXXX, while I was XXXX with the XXXX XXXX, I paid the account in full leaving it with a XXXX balance. To this date, this account still shows up in my credit report which I feel is impacting my credit even after 4 years of the account being paid off. I was promised a full deletion of this account from my credit report, but Wells Fargo still shoes up as a derogatory account. I will submit documentation to proof that I paid this account and left it in a XXXX balance in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I took out a payday loan on XXXX/XXXX/15 and it was due XXXX/XXXX/15. I called on XXXX/XXXX/15 and advised I would n't be able to pick up the check on the XXXX and asked if it could be pushed to friday the XXXX on my next payday. I was told no. I was told on the phone and in the office when I got the loan that they no longer send checks to the bank and they go to collections ; so when I called on the XXXX i was given collections number to call tomorrow ( XXXX ). I got an email today that my checking acct is overdrawn. so not only did they go against what they said and their what their contract says, I was charged a {$34.00} insufficient funds fee by my bank because they covered the check I was told would go to collections and not the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My mortgage loan has been transferred to Bayview Loan Servicing and they have added a force placed escrow account to my monthly mortgage bill, even though I have been current on my insurance and property tax payments. Despite multiple attempts to straighten this out with Bayview, I have made no progress and this additional fee is part of my monthly statement which has caused major financial hardship for me. This is especially worrisome because my mortgage payment is scheduled to adjust next month with my payment increasing over {$1400.00} a month. I have called in to Bayview about this problem as well and they have said that they will possibly work with me, but based on my experience with them for the escrow issue I ca n't believe them. 

This problem began when I went to the county property tax assessor and challenged the value for my property. I opened up a dialogue with the assessor and presented him evidence that my property value was significantly lower than the amount assessed. The assessor AGREED with me but needed documentation and proof and needed the information to be processed through their system. As a result, I paid my property taxes based on the ESTIMATED tax that was going to be owed after the assessor processed my appeal of value paperwork. The county was fine with that as was I, but for some reason Bayview decided to step in and pay the original bill owed FOR ME, even though an appeal review was in process. Bayview believed I was avoiding paying my taxes and without any consultation added a forced monthly escrow charge to my bill. This has started a financial problem for me as I budget to pay my escrow twice a year, instead of being charged every month. 

My current mortgage payment is {$1900.00} a month ; this is due to a step modification that I received back in XXXX when my loan was with XXXX. I have made all payments on time, but the interest rate is now going up to 4.625 % and my payment is increasing to {$3300.00} a month ( not counting that additional escrow that Bayview has tacked on! ). I am still a small business owner ( I own a XXXX ) and business has never really rebounded after the recession in XXXX. I am able to make a decent living but have had to take on boarders in order to make ends meet. I am grateful that I received a modification back in XXXX but need Bayview to work with me to help me keep my home -- I have proven if given an affordable payment I will make it on time each month. 

I will not be able to survive the impending increase in rate and payment as well as the additional escrow fees Bayview is saddling me with. I am concerned that they just do n't care about their clients based on the way they have handled my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.

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