vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$550.00} on XXXX/XXXX/2016 into my checking account. On XXXX/XXXX/2016 the check cleared the Insurance Company 's bank and was paid. On XXXX/XXXX/2016 funds were still being held. I called & was told the hold was XXXX/XXXX/2016 because " there was a problem with the check ''. They could n't tell me what the problem was. I had a copy of the check, no problems. I was told to call the Insurance Company, that my bank had not called & I was sent a letter to call the Insurance company and to allow 10 days for the letter to be received. No joke! They actually said that! 
I called the insurance company, they confirmed check was paid out on XXXX/XXXX/2016. I called wells fargo again after receiving confirmation the check was cleared, cashed and funds sent, to be told that wells fargo was waiting for confirmation from the Insurance Company 's bank that they would " confirm that they were not going to pull the funds back ''. Are you serious?? This policy of a 10 day hold on money that they have already received and are holding is just stupid! One phone call to them for verification of this supposed pull back release would have made wells fargo " a personal bank ''. Tell me why. I do n't believe the XXXX people I spoke with at the bank. After getting to the XXXX superviser I was told the check did n't clear, the paper check, but that they had the funds on hold. I do n't know ANY bank that would send funds without clearing a check. I do n't believe banks send money out of the goodness of their hearts! They want guarantee 10 days later that the funds are good? That does n't make sense! The bank said I could file a claim, that would take 5 days. LOL Wells Fargo is holding funds 10 days on paper checks. There is nothing that can be done! They have the money, can use the money for 10 days before they release to account holders. I was told Direct Deposits are never held. Is that because they are a Federal Transfer? If Wells Fargo needs a " pull back release '' on all paper checks, why is n't this information given to account holders to deposit along with the checks?? Like an indemnity policy, that the check is good. lol Or a Federal Stamp of some kind from the issue bank? Is n't that FDIC guarantee for a check? 

I believe Wells Fargo should be investigated for unfair business policy in regards to 3rd party paper checks. That this " Pull Back Release '' needs to be investigated. I do n't believe it 's real. Wells Fargo should be slapped with a Federal fine for withholding accountholders funds without reason on funds received and already in their possession.

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 2015-07-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We are writing to explain our current situation with our mortgage servicer Wells Fargo. As per out attorney he has advised to file a complaint with your organization based on the reason we were given for a denial. Our attorney has received several of the same worded denial letters all where wells fargo is the servicer of a loan. The exact wording given in the denial is as follows : " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' How is it that our loan owned by XXXX and serviced by Wells Fargo and yet we are not eligible to be reviewed for the making home affordable program. We meet all the requirements to be approved for this program and have attached a copy of our submission that was sent to the bank providing supporting evidence for our qualification for a HAMP modification. 

We do not know where to turn at this point as we are being told our servicer can not help us because of our investor yet we are not allowed to ask our investor for assistance. Please help us receive a fair and proper review for assistance. In the meantime our attorney is looking into the potential for a class action law suit given several recent identical denials from Wells Fargo claiming the investor wont give them permission to offer assistance. 

We can not believe that this would be an acceptable rational given for refusing mortgage assistance. We are asking you to look into this and help us get reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I purchased a condo which I mortgaged through Wells Fargo Bank. I took out a second ( equity line of credit ) with WFB as well, as part of the purchase. I already owned a home in another town which I planned to sell. The economy tanked and I could n't sell the other house. I used up all of my savings because I did n't want to default on anything as I was trying to figure out what to do, but right before I ran out of money I was advised by an attorney to file for Chapter XXXX bankruptcy. I lost the home, but I kept the condo and have paid both the mortgage and equity line-of-credit on time, and usually paid more than the required payments. Now I am trying to refinance my condo and find that WFB recently reported me to XXXX as a new bankruptcy! Therefore, I can not refinance my loan! I called XXXX and told them the bankruptcy was not right, that it had been discharged in XXXX, and that I have paid every payment on both loans for the past 9 years. They said I have to work it out with Wells Fargo. I have called Wells Fargo XXXX separate times and each time I 'm handed from person to person. First they told me they could n't do anything and I had to call XXXX. Then another person told me they do n't report anything to the credit agencies, which is a lie. She said they could n't do anything. The mortgage broker who I 'm trying to refinance with told me this bankruptcy from Wells Fargo shows on my credit report as a NEW bankruptcy, reported by Wells Fargo Bank as of XX/XX/XXXX. I finally got through to someone else the other night at Wells Fargo who said he would pass it on to the proper department, which meant I might hear from someone in 24-48 hours. Today ( almost 48 hrs later ) a man named XXXX called me and said he would look into it, and that it would take about 10 days. I 'm so upset, because I do NOT have a new Bankruptcy! I have paid all my payments on time, usually early, to all my creditors, and all I want to do is refinance my home loan to get out of the 'interest only ' loans I was sold by WFB. I 'm so stressed out I ca n't sleep. I just keep getting passed from person to person, told they ca n't do anything but will look into it .... I do n't know what to do. I can not get a new loan becaue XXXX tells the new loan company that I am a bad risk! I need Wells Fargo to remove that Lie from all credit reporting agencies! Please help 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 non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
The problem is - that NOTHING happened ( i.e. ZERO communication from the new 'servicer ' - no Single Point of Contact info has been received, to date ) - yet a motion for strict foreclosure is set to be heard next Monday, XX/XX/XXXX XXXX, XXXX. 

Just prior to last State of CT mediation session XX/XX/XXXX/XXXX/XXXX, submitted last/final requested employment verification document via email to XXXX, its attorney + the XXXX of CT XXXX - for expected/anticipated modification approval shortly thereafter. 

Received confirmation letter from Nationstar XX/XX/XXXX - stating that it would review and follow-up in +/- 30 days. Never heard from them again re : my modification. 

As previously reported to the CFPB, had several very similar 'episodes ' with Nationstar over past several years - so this latest came as no surprise. 

What did come to me as a highly unpleasant surprise was a copy of the motion for strict foreclosure - especially under the aforementioned circumstances. 

Needless to say, this is outrageous and incredibly unfair. 

At the very least, the motion for strict foreclosure should be withdrawn until such time that the new 'servicer ' has reviewed and responded to my modification package - which was submitted in good faith over 3 months ago - and of which the new servicer SHOULD have been aware long ago - long prior to allowing the motion for strict foreclosure to proceed. 

Additionally, the new servicer should instruct its attorneys to NOT object to my motion for re-inclusion into State of CT mediation process, in order that we are able to resolve this matter amicably and avoid the foreclosure. As documented via my modification package : I have a ( very good-paying ) job on hold until I provide my prospective employer a copy of the modification. 

Again : I need the direct EMAIL contact information for my federally-mandated Single Point of Contact with the new servicer - ASAP. For documentation and record-keeping purposes, I wish for all communication to be in writing, via email. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX I changed insurance companies and notified Wells Fargo of the change. Since that date Wells Fargo has sent me letters requesting the new insurance. This documentation has been provided on a least XXXX separate occasions by my insurance agent. On Friday XXXX XXXX, my insurance agent was contacted by Wells Fargo and once again, the insurance was provided. On Monday XXXX XXXX I attempted to pay off the car loan and I was told that forced insurance had been placed on the vehicle. I now owed additional funds. Myself, my insurance agent and a WF agent had a XXXX way conference call and I was told that everything was taken care of. I was forced to pay an additional {$300.00} XXXX estimate ) in order to pay off my car loan. On XXXX XXXX, I was informed that my car loan was not paid off and that the process to get my title and the money I am owned could take several weeks. This is a deliberate and malicious attempt to keep money that does not belong to WF. In normal language, WF are stealing my money. WF will not release the title to my car, which means WF is denying me opportunity to sell my own property. The longer WF keeps my money, the longer they gain for having it and the longer I lose from not having it. WF keeps bouncing me from one department to another and no one seems to be in a position to offer help. One of the representatives I talked to admitted that this was a common problem. It is apparent that WF system is designed to make the customer jump through numerous hoops just to get their own money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.

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 2016-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. 

Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. 

During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. 

During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. 

On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. 

During the late pays they would call non-stop, almost hourly from early morning hours to late at night. 

I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. 

There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. 

Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to be a predatory company charging insane overdraft fees and manipulating data in order to continue charging fee after fee. They say they will only charge XXXX fees a day, so they will not post transactions until the next day in order to be able to charge extra fees. They will post debit transactions next day, in order to gain those fees. They will change the wording of card swipe transactions to say " reoccurring '' in order to get around the fact that you have opted out of overdraft protection. I am completely stuck and have been charged XXXX in overdraft fees in a weeks time. I have asked nicely for some fees to be refunded but they refuse. I have opted out of allowing them to cover my charges so that I do n't have to pay the overdraft amount, plus the fee, but there is nothing I can do to stop them.

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 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation