vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My boyfriend deposited a check into my account Friday the XXXX of XXXX at Wells Fargo bank. He made an error on the amount and changed it and intialed the mistake and proceeded with the deposit of XXXX dollars. The teller then accepted the check and did not inform him that they would hold the check availability until the XXXX of XXXX. They immediately withdrew the funds from his account and refused to allow me access to the funds so that I could pay my bills and see my doctors! I now have to make another appointment with my XXXX which will take at least 30 days before she can see me and cause me to run out of medication! If I run out of medication I could have XXXX! I have no one else to pay for my doctors visit or my medication. I ca n't even borrow the money from my boyfriend because Wells Fargo is holding all of his money. I can not believe it is legal to hold someone 's funds for 12 days! I am so tired of this banks illegal processes and their lack of customer service! They have caused me so much stress I almost went to the hospital today!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX and I 've been trying to sell my deceased mothers home thru Wells Fargo. I began my efforts on XX/XX/2015 to sell my mothers home and sought the help of XXXX XXXX to sell my mom 's house at XXXX XXXX XXXX, XXXX, NC XXXX. I ca n't seem to get Wells to finalize the sale. I totally believe they are dragging their feet and slowing down the process to extract more funds from me. I need help, PLEASE. XXXX XXXX, XXXX, XXXX, XXXXXXXXXXXX.

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 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have accounts with Wells Fargo Bank. We travel to XXXX often and we have done wire transfers many times on line and all of a sudden it wo n't work. After I put in the information and hit the " calculate '' button for it to tell me what the exchange rate is and how much will be available in XXXX - it puts up an error message saying my information is incorrect or incomplete!!!! This is their " EXPRESS SEND '' type transfer. It pops up with all the blanks filled in except for the transfer amount. Based on copies I 've received as confirmations the information is all the same!!!! Nothing has changed. 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 2015-05-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a check from a person in CA. I deposited it into my Wells Fargo Checking account and is turns out it was a fraudulent check. I was supposed to XXXX XXXX this money to a woman I thought I could trust in CA. Wells Fargo released {$1900.00} from my checking account to XXXX XXXX. Then they determined that is was indeed a bad check. I was able to cancel all further transactions and XXXX is refunding my money. 
Wells Fargo, after many years of business with them, have decided to terminate my account due to this XXXX mistake. I have never deposited, nor tried to cash any fraudulent checks in my entire life!!! I do not believe it is fair that Wells Fargo is terminating my account. Nobody is losing any money, since XXXX is indeed returning the money. Since then, my Wells Fargo account is locked and I have no online ( or any other XXXX access to my account at all. This seems a bit extreme, especially when it was Wells Fargo who allowed the money to be transferred to XXXX XXXX before the check cleared. I had absolutely no idea this check was fraudulent!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Riverwalk Financial CORPORATION
State: TN

Complaint narrative:
On or around the 1st week of XX/XX/XXXX I called XXXX to see if I qualified for the Obama student loan forgiveness program they had advertised about. I was advised they were with the Dept of Education and that I did qualify for the Obama student loan forgiveness program. I was informed I would have to do 5 pymts of {$99.00} then my loan would be forgiven through the Obama student loan forgiveness program. I then made arrangements for the 1st pymt of {$99.00} to be made on XX/XX/XXXX. I received a letter from XXXX XXXX advising that they would be handling my student loans and that my pymts would be XXXX dollars based upon my income. on XX/XX/XXXX I called XXXX because I wanted the last 2 pymts to be processed on XX/XX/XXXX which was the next scheduled pymt date. I spoke with a lady who advised me that they never take ymts or set up any type of pymt plans that they were a student loan advisory company I explained to her this was number I had called and they took my info and set up this plan so that I would be in the Obama student loan forgiveness program and that they had already taken 3 pymts of the 5 she hung up on me. I then called XXXX XXXX and I was informed there is no Obama student loan forgiveness program and that I had been set up on a plan that is income based driven. And that it was fraud that they never heard of RIVERWALK. The representative advised me to do a fraud claim with them which I did why I was on the phone. He also advised me to stop pymts and not to pay anything else to RIVERWALK because it was a scam. I went to my bank and did just that. My bank tried calling the number on my bank statement to inquire about the drafts and where the money went XXXX at my bank was hung upon as well after being told that they had no clue as to what she was talking about on my bank statement it shows as XXXX RIVERWALK XXXX TX XXXX RIVERWALK XXXX. Yet they knew nothing and said they had no clue to what was going on and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have money in my bank account one day my money was gone and the bank told me the was a legal order debit

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 2016-09-10 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: CA

Complaint narrative:
One day, maybe in XXXX or XXXX, I took out a student loan with a bank that was not Wells Fargo ... I never originated a loan with Wells Fargo ... Ive banked there for over 20 years ... Never anywhere else ... Never a loan ... 

I assume Wells Fargo purchased the bank with which I originated the loan. How can Wells Fargo have rights that the originator never had? Wells Fargo, out of the blue one day in XXXX of XXXX, did an offset to my bank account for {$1500.00} for a loan with a bank that would have to go through the legal system to get rights to my bank accountPlus the loan would have originated in XXXX or XXXX so it seems that the statute was up. 

To this day, I do n't know what loan this is about, and when I called Wells Fargo back in XXXX XXXX, I talked to an underwriter named XXXX who was offered no explanation. When I submitted a complaint form, I got a letter from a person identified as XXXX on Wells Fargo parchment letterhead dated XXXX/XXXX/XXXX. She basically states that Wells Fago was within its rights, and still did not tell me the name of the origination bank. 

Wells Fargo put me in duress by taking {$1500.00} of my bank balance and telling me that if I would not agree to a monthly payment plan they could reduce my bank balance by 75 % whenever they please. The scenario was stunning, and has caused me emotional distress. I was intimidated and to this day I feel like Wells Fargo may go into my account for whatever reason they deem acceptable. 

I went to University 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 2015-07-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I borrowed {$10000.00} from Wells Fargo for a private student loan while I was a XXXX. The loan was taken out on XXXX XXXX, XXXX. I graduated and began paying back the loan in XXXX XXXX. Before the principal repayment began, I was being charged 10.313 % interest, when the principal payment began the interest rate jumped to 10.753 %. The total finance charge for my loan, at repayment, as you can see from the attached document, was {$13000.00}. The total amount I will have paid, after all payments have been made is {$23000.00}. 
My principal balance due as of XXXX XXXX is {$10000.00}, per a conversation with a Wells Fargo Rep. My monthly payment amount is {$130.00}. According to last month 's statement, {$44.00} of my monthly payment was applied to the principal and {$61.00} was applied to the interest ( and I had a {$28.00} late fee ). 
During my repayment period, there have been months were my payments were late due to lack of employment, however, the loan payments were always made. Wells Fargo charges a {$28.00} late fee after a 10 day grace period. 
I feel that the interest rate and the pay back amount is exorbitant. If this had been a federal student loan it would be governed by federal regulations. Wells Fargo would not be permitted to take advantage of students needing funding for education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX. It has been more than a month since I talked to XXXX XXXX in a recorded line to process a loan modification.with Wells Fargo Bank. The last XXXX pieces of documents needed were a letter of employment in Georgia and a statement describing the status of the house in XX/XX/XXXX. Last week, I have submitted all the requested documents for the modification. On XXXX XXXX, I received a phone call from Wells Fargo Home Preservation Team requesting a new set of documents because XXXX XXXX, my contact person had moved to another department. XXXX XXXX, the person who initiated the call told me that I needed to send new documents to XXXX XXXX, my new contact person. The previous documents are no longer available. I could nod believe it. This is not the first time that I have submitted documents after documents with no modification. I was told that my house is not on sale, but XXXX confirmed that the house will be sold on XX/XX/XXXX. The fact that the documents are in the process, and there should not be a sale. My frustration with everything is there is nobody in charge. .I have been trying for so long to work with this bank with no result. This is a policy that big banks, like Wells Fargo have been implemented to deprive minorities of home ownership. They have succeeded because there is no oversight or check and balance..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX as part of an XXXX XXXX, 2015 refuses to remove erroneous and fraudulent items from my credit report, a report that has several names which are not mine, a birth date that is incorrect and several address 's and judgements which are not mine. 
this account is not mine and I demand it be removed : WELLS FARGO BANK XXXX ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX XXXX I contact my mortgage company Wells Fargo regarding the status of loan. My monthly payment went from ( {$2000.00} to {$2500.00} ) and I contact Wells Fargo seeking some assistance to reduce the monthly payment. The increase was due to an increase of my property taxes. At the time Wells Fargo said I would not qualify for a refinance but I could get a a loan modification. During XXXX through XXXX of XXXX I continued to make all my payments to Wells Fargo. Wells Fargo recommended a loan modification to me as plan to help me, but this plan has really just caused me nothing but trouble now that I look back. My credit score has be dramatically impacted. I 'm just confused and frustrated how Wells Fargo collected {$9900.00} from me but reported me late on my credit report. While working with Wells Fargo every payment was made directly to this Loan Modification unit on time. I just do understand why Wells Fargo could assistance their customer by telling them to destroy your credit but continue to pay us.

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