vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.

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 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I successfully completed a chapter XXXX and was XXXX. After XXXX years of stalling and going round and round with Wells Fargo XXXX late in XX/XX/XXXX, there was finally a workout plan which I accepted. I asked for full disclosure of all obligations that I would incur. Some were provided. Again in XX/XX/XXXX, I repeatedly asked for full disclosure of any and all obligations that would incur as well as a full detail of all forgiveness amounts. What was provided was not what I or my tax adviser requested. Related : Case number : XXXX Now I have received a XXXX showing " other income '' in the amount of {$1300.00}. 
I called. I was told it was a refund of late charges assessed prior to my entering bankruptcy ( in XX/XX/XXXX ) that had been credited to my account -- and never disclosed. 

So now, I have a tax liability that I was n't expecting for income that I do n't know anything about because this was never disclosed. 

First, I asked for a detailed accounting of all amounts that might or would be forgiven in the workout. That detailed accounting was NEVER provided. And now I have 'surprise ' income that I did n't actually receive and was never disclosed. 

Second, 'surprising ' this XXXX year old XXXX with what may turn out to become a problem with my taxes is wrong. 

Third, the representative I spoke with at first wanted to explain what a XXXX was and wanted me to read the teeny-weeny-tiny print on the form. I ca n't. It 's too small for my old eyes even with my bifocals. She also mentioned something about the amount showing on my statement. I do n't know if that 's true or not -- the XXXX point maybe XXXX point print size ( teeny tiny ) on those statements requires I use a magnifying glass to read. Wells Fargo should have sent a proper notification letter, not buried this 'surprise ' in small print XXXX or XXXX point size and waited until AFTER the end of the year to dump this on me. 

Other than filing this complaint to alert the public to their ongoing sneaky practices, there is n't much that can be done about the XXXX. It 's already been sent. The IRS will expect me to pay taxes on it. 

The disclosures and teeny-tiny-fine print are another matter. They are supposed to have clear, readable type and plain language on the forms, statements, and to clearly disclose what the amounts are. They do n't. 

I should not have to ask someone else to read my statements or buy a magnifying glass because the print is deliberately too small for a person with normal vision let alone someone who has to wear custom reading glasses.

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 2016-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is XXXX XXXX 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 2015-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.

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 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.

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 2016-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.

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 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been attempting to contact the trustee, XXXX XXXX XXXX since last week - as instructed by my lender Wells Fargo - but not able to get through, the call hangs up every time and I have tried from multiple lines. I then contacted Wells the day before the auction sale and the day of the sale to cure the default in full, they referred me to the trustee again. No answer and disconnected from trustee 's phone number. I have the funds available to cure the default in full and was asked to send in proof. I had a 3-way conversation with a representative from Wells Fargo and a representative by the name of XXXX XXXX from my bank Wells Fargo to get a fax number to send the proof of funds. It took Wells Fargo over 45 minutes to provide me with a valid fax number as I stayed on the line with them while faxing the information over ( see attached ). Wells Fargo stated that they could not get in touch with their attorney ( XXXX XXXX XXXX ) and that I can try to call myself. They were not of any help to me and left me with no options but to keep trying to call the trustee with no luck. I also was never properly served with the Notice of Default and Notice of Trustee sale so I feel my homeowners bill of rights was violated as no true alternatives to avoid foreclosure was given to me instead they proceeded.

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 2016-10-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX charges totaling {$1900.00} were charged against my business acccount. I am not a XXXX customer and there is no reason for these charges to my account. Wells Fargo has completed their research of the matter and is unable to reimburse me because I did n't notify them until XX/XX/2015 and the charges were made on XX/XX/2015. I 've already contacted XXXX and they have indicated that they can not help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I closed a secured credit card ( {$300.00} collateral deposit ) with Wells Fargo which I opened back in XXXX. At the time of closing I paid {$76.00} to bring the balance just to {$300.00} ( Collateral originally mine ) and waited for the account to close. 41 days later they credit the collateral back not without bringing the account to a whopping {$86.00} in interest and late fees. I received constant calls about paying the {$86.00} and the automated voice menu gave plenty of options to pay and 1 option to talk to a rep which I always chose just to hear " at this moment there is no one to talk to you ''. 

I called another number and talked and complained to a rep which after much consideration forgave XXXX of the XXXX late fees of {$37.00}, like XXXX late fee assessment was right and the other not (?? ) and no reversal whatsoever on interest charges. 

This card was offered to me back in XXXX to help me rebuild my credit and it has done absolutely nothing for this purpose, now it is about to HURT my credit rating. On top of everything I 'm closing a just {$300.00} secured card, not shutting down the economy of this country ; how come it takes FOURTY ONE DAYS to credit my deposit back. 

This is PRIMITIVE at best.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This is a dispute to complaint XXXX, something is wrong with the page. I was contacted to be informed that they needed more time to complete their work and it would be another week. I then told them to continue to respond to me in writing. This is the reason it want them to respond to me in writing, so it wo n't be any miscommunication. Ask them to play the recording. Assessed value, nothing. from XXXX till now I have only received one tax bill and that is for XXXX. It is classified as a business. Escrow questions, prepaid amounts for HUD insurance, prepaid amounts for PMI insurance, no explanation,. They are still researching the title issues, the second mortgage to the city of XXXX, and the initial appraisal value. The mortgage co have had this loan since XXXX, I filed this complaint in XXXX XXXX, its very apparent that they are not going to answer my questions. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.

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