vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently my insurance company sent Wells Fargo a check towards the Pay Off of my vehicle. I called Wells Fargo and XXXX ( XXXX ) explained that because the Check was from an Insurance Company it does not " count '' as a Payment and my account is 40 days behind. Despite a Large payment from my Insurance Company and payments of XXXX from me. Additionally the Maturity Date of the Loan is XXXX 2017 and Wells Fargo is demanding the Total Balance of my account a Year Early. 

I asked XXXX ( operator XXXX ) to mail me a copy of this policy and she said that she could not because it was a confidential arrangement between My Insurance Company and Wells Fargo.

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 2016-10-21 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:
wells fargo has always charged me overdraft fees when I go to ask them to inform me they always say that I overdraw my account. Ive wanted to close it but they say they charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had a secure card with Wells Fargo where I had to pay them {$500.00} dollars for a {$500.00} dollar line of credit to establish business credit. I cancelled my account XX/XX/XXXX, gave the address to which the money was to be sent. I never got a check so I make it to a branch and checked to see what happened ( I live in a city with no Wells Fargo ). The check was sent to the wrong address the first time. They tell me there is no way I can get the check in the branch so I give the correct address and have it sent to me again. By XX/XX/XXXX, I still have no check, so I call to check and see what is wrong and they tell me it was sent to the wrong address again ; the same address as the first time. I can understand them making the mistake the first time but the exact same thing happened the second time, and they ( Wells Fargo ) still refuse to give me a check in a branch. I call customer service again and they say the only thing they can do is have another check mailed. Giving that I went through giving the correct address two separate occasions, once on the phone and once in person, and the check is still being sent to the wrong place shows something is wrong internally and I should not have to wait months and months for money I had to give to them the same day to receive service. {$500.00} is a decent amount of money and they are doing nothing from a customer service standpoint to help me get my money. When I call and speak to a customer service supervisor, XXXX XXXX, she tells me the only thing she will do for me is take the correct address ( for the 3rd time ) and have another check issued ( for the 3rd time ) .I am filing this complaint because the system Wells Fargo has for returning money to their customers is obviously flawed and they do not have a customer service department capable of actually helping customers when dealing with large sums of money. This is unacceptable, who knows what can come up in 5-6 months where having that {$500.00} can impact my life ; especially when I had to turn it over on the day I opened account to get service.

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 2016-07-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My name is XXXX XXXX and I am desperately trying to seek some assistance from Wells Fargo about a personal business matter. I have been a student loan customer of Wells Fargo Bank since XXXX of XXXX. I have taken out a total of XXXX separate private educational loans, with XXXX of them being paid in full with no late payments. They are as follows : Acct # XXXX - {$2500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3400.00} - Paid in Full - Perfect Payment History. 
Now to the last XXXX private educational loans that I have from Wells Fargo. The following XXXX loans are in Charge-Off status with Wells Fargo : Acct # XXXX - {$3400.00} - Charged-Off - {$1300.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
Acct # XXXX - {$5700.00} - Charged-Off - {$2200.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
I lost my job in XXXX of XXXX. When I lost my job, I still made my payments to all of my loans on time and complete until the company I was working for transferred me from XXXX XXXX, XXXX to XXXX, XXXX in XXXX of XXXX. At this time, my co-signer/co-borrower took over my payments for me ( XXXX XXXX, my grandmother ). She did this for me until I found them to be charged off. My phone number, address, or email were never the same as my co-signer/co-borrower. I never received a single notice for a 30 day late, 60 day late, or a 90 day late on these loans. I also never received any notice directly to myself of any charge-offs until both loans were charged off and outsourced to a collection agency ( who then transfered them back to Wells Fargo ). After they were transfered back to Wells Fargo, I done everything in my power to pay them off in full as fast as I could.

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 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
America 's Servicing Company ( ASC ) is trying to pull another fast one on me. About the end of XXXX 2016, I received a letter from XXXX XXXX, Senior Vice President of ASC. Basically, the letter stated that my mortgage would be going to a new company called XXXX on XXXX XXXX, 2016. Which is the reason I contacted CFPB in the first place. Anyway, since the communication began between myself and XXXX XXXX, XXXX at ASC, his main concern has been for me to call the XXXX people and start sending my payments to them. XXXX XXXX is very disturbed that I will not do it. What happened to the mortgage servicing transfer process? I have not received a servicing transfer notice yet. I have no idea what the effective date of transfer is. As I said, I have not heard from XXXX. I mean, has the transfer of ownership even been recorded on public record? This not being honest with consumers, is a major problem within America 's Servicing Company. They make their own rules. Thanks so very much CFPB staff for being here for America. 
ASC is also cheating me out of my XXXX Modification Loan. The first page of the Amortization Schedule shows what I should be paying right now. Look at the mortgage statement XXXX 2016. XXXX XXXX, is trying to send me to XXXX paying {$740.00}, when it should be paying less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. 

I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the most recent statement cycle of my credit card, after that cycle had closed, I received a new billing statement ( received XXXX/XXXX/16 ) from my bank stating that a new bill was due on XXXX/XXXX/16 in the amount of {$48.00}. On that same day after receiving the new statement, I promptly went online and paid my bill for the XXXX due date but it still stated that the payment was still due in XXXX. I was told by a representative that my payment was actually applied to the previous cycle and am not sure why that was since the previous cycle had closed and a new statement was generated. I argued with them to apply it to the XXXX payment but was told that when I made the payment it would not count as my payment for XXXX. I need them to fix this and need some confirmation from them that this will not affect my credit report or that this will occur again in the future.

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 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my Credit report and Wells Fargo dealer had XXXX inquires on it. I asked for the application for permissional purpose and got letters back listing all kinds of dealerships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
Purchased home in XXXX 2013. Bought specifically for potential equity position in rapidly growing and valuable area. Put 5 % down knowing that in a few years my home would be worth enough to justify PMI removal. After requesting PMI removal in XXXX this year, it was denied because I had XXXX late payment while I was out of the country and my servicer did not have online capabilities and I could not phone. they would not waive this late. Due to this late, I was instructed to start the process again in XXXX this year. The only method of contact for my servicer 's PMI department is email. They have no phone number and no one to contact, just have to email and hope. After several emails, I received a letter saying the removal was denied bc my home was not at 80 % LTV. It is in fact at 75 % LTV and even that tax recirds indicate so. I sent in a dispute and have followed up weekly for six weeks with no action form my servicer. I have spent countless hours on the phone and have sent numerous emails, the most recent being a " fifth and final request '' in the subject line and within the body stating that I was going to seek external assistance, which I am doing now. 
My PMI is $ XXXX/month and so far I have spent an extra {$3000.00} annually on this insurance that no longer applied to my credit terms and by my servicer 's determination I have paid an extra {$560.00} because of their lack of action ( the discrepancy there is due to the date I think the PMI should have been removed VS the date they claim )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt bank.

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