vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 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: NY

Complaint narrative:
I took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please 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 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I over paid my wells fargo at XXXX XXXX XXXX XXXX XXXX CA XXXX credit card by {$60.00} dollars 5 months ago I 've called wells Fargo at least 10 times they said they need to send a paper for us to sign to be able to receive my money back every time I called they tell me to wait for 15 days nothing comes on the mail .I have asked for my money to be deposited into my account but wells Fargo said theres no way it can be deposited into my account

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have spoken with NFCU before as well as made a CFPB complaint on them for reporting the same credit card multiple times to the credit reporting agencies. They agreed to remove the duplicate accounts showing incorrect balances yet when I pulled my XXXX report on XXXX/XXXX/15 they have not done so per XXXX. They are inaccurately reporting a balance of {$7100.00} AND reporting the accurate balance I have been paying on. They need to remove this duplicate from my XXXX report immediately because it is detrimental to my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account.

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 — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In a recent phone conversation on XX/XX/XXXX with Wells Fargo representatives, including the underwriter XXXX, and our XXXX XXXX XXXX representative, XXXX, it was stated that the reduced mortgage would be {$3000.00} with HOA fees included ; the current mortgage is {$3100.00}. This would give a reduction of {$18.00} which falls in the guidelines for XXXX 's XXXX, our Master Servicer. 
We are requesting assistance from the CEO or President area of Wells Fargo. We believe we were eligible on the XX/XX/XXXX modification request based on our calculations. We request a detailed explanation about how the underwriter determined his/her decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Some years ago my former husband and I had a " PMA '' account with Wells Fargo. When we closed that account this year, a checking account that was included free with the PMA account was converted into an account for which a service fee was charged. This was done without our knowledge or consent. XX/XX/XXXX I received a statement from Wells Fargo that had a negative {$30.00} balance. I immediately called and was told not to worry about it. The account was closed and I would be receiving a statement with a XXXX balance soon. In XX/XX/XXXX I received another statement and this time the negative balance was {$60.00}. Again I called and was told the account was closed and the balance was XXXX. Today I received a notice from a collection agency for {$60.00} -- and then I spent nearly two hours on the phone with WF being transferred from one person to another with a lengthy hold period between each. The final person I spoke to told me there was nothing she could do. The account was in collection. I would have to pay it and suffer the negative consequences on my credit rating. 
I want Wells Fargo sanctioned for this kind of abuse. And I want them to provide me with documentation stating that this matter was sent to collections in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 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 2015-10-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is still on my XXXX credit report although Wells Fargo said they will be off by XX/XX/2015. See attached Wells Fargo report saying it will be removed by XX/XX/2015. They refused to shut the account -- XXXX % of the balance is fees. Wells Fargo should be off my credit -- it is 6 months after Wells Fargo wrote that it would be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please 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 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On or about XX/XX/2017, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX in XXXX, CT with a friend. Both he and I have accounts with the bank in that branch. My friend was going to deposit a payroll check made payable to his father, who also has accounts at Wells. The check was legally endorsed " Pay to the order of XXXX XXXX '' and signed by the payee XXXX XXXX. XXXX signed the check under his signature and tried to deposit it in his account. The bank flatly refused to accept the item for deposit saying the payee of the check HAD to be physically present. 
It is my understanding, and I was also told by a Wells Fargo Customer Service phone rep that once endorsed over to XXXX, he could legally deposit the item in his account. 
The manager and branch personnel were adamant that " there is nothing we can do. '' Aside from the rude manner in which we were treated, the manager and branch personnel inferred ( and all but came out and said ) the item was a bogus item and we were trying to somehow scam the bank. Based on Wells Fargo 's HISTORY of scamming the public with falsely opened accounts, fees, employee quota systems, etc. I found this reprehensible. 
My question is : Can the bank refuse to honor an item that is properly and legally endorsed over to a third party, and an item by it 's endorsement, that he legally has the right to? What are my options with regard to taking any action against the bank or branch personnel. I was unable to obtain the names of the personnel involved as they stated when asked " we do n't give out last names or other staff information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
XXXXDear Citizen 's Bank : These are instructions given to me by XXXX XXXX XXXX for Citizen 's Bank:1. Citizen 's Bank need to file a claim in order for XXXX XXXX XXXX to investigate the students loans that Citizen 's Bank are alleging that me and my mother 's cashed or deposited at XXXX XXXX XXXX in XXXX and XXXX. 
2. XXXX XXXX XXXX has checked both : my mother 's account and mine and did not find any cashed or deposited checks from Citizen 's Bank. I, XXXX XXXX, did n't have an account with XXXX XXXX XXXX until XXXX and I closed my account in XXXX because of fraud happening to my checking account that I was cleared of the charges at a later date by XXXX XXXX XXXX. I can get XXXX XXXX XXXX to confirm this in number XXXX and they did check my mother 's account and they did n't find anything on her account relating to Citizen 's Bank student loans. 
3. This one student loan that Citizen 's Bank sent to me and my mother in the amount of {$15000.00} is fraud and the account number is not the same for me or mother 's accounts with XXXX XXXX XXXX. The Backsplash says XXXX XXXX XXXX and I highly doubt that in 2 or 3 days that a check can get to XXXX, XXXX from XXXX XXXX. Did Citizen Bank send the checks overnite through a shipping company? The check was disbursed XXXX/XXXX/XXXX and according to the date of cashed or deposited it was on XXXX/XXXX/XXXX and then below it says XXXX/XXXX/XXXX. 
4. XXXX XXXX XXXX will give Citizen 's Bank a reference number once the claim is filed. 
5. Please mail me the reference number, so that we can keep up with XXXX XXXX XXXX 's investigation. 
6. We are innocent and once that is proven, please write the {$35000.00} check to me and mother and have the check mailed to : XXXX XXXX - XXXX XXXX, XXXX XXXX ( we have been wrongfully punished for so long. ) I do not understand why Citizens Bank is not following the proper steps to dispute this claim with XXXX XXXX XXXX, we have repeatedly expressed orally and written to Citizen Bank that we did not cash or deposit these checks at XXXX XXXX XXXX. We have filed police reports and filled out ID theft affidavits and Citizen 's Bank still have not filed a claim with XXXX XXXX XXXX so that XXXX XXXX XXXX can find out where these checks were deposited or cashed within their Bank. What Citizen 's Bank gave to us, is a copy of XXXX check in the amount of {$15000.00} and it is fraud. This money did not go into my mother 's account or mine. 
Thank you and I look forward to communicating with you. 
CC : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When i was able to work again i paid it off and was told they would take off my credit report and was not

Company response to consumer: Closed with explanation