vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have an original certificate of deposit from XXXX XXXX and Loans. It was lost in my fathers safe for 30 years. The bank has since closed and the accounts are now being held by Wells Fargo. I went to my local Wells Fargo branch and received little help. I got the feeling that I was not acknowledged due to the potential pay out of a CD for {$6600.00} at 8.95 % after 30 years. Wells Fargo said that they researched it and could n't find anything on it. I told them it was not paid out as I still have the original certificate. I would like to be paid out for the certificate. The account number is XXXX XXXX and it was issued on XXXX. It is issued to XXXX XXXX in trust for XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband lost his job XXXX XXXX, 2015. I am in nonprofit, not enough to pay our mortgage. We 've been in this home for 20 years ... stuck in a bad mortgage ( we expected to refinance this fall but he lost the job ). We have never once been late, ever, until a week ago ( but we have not been sent to credit, as it has not been 30 days ). The loss of income coincided with this loans uptick in interest rate and principal payment, which is overwhelming. WELLS FARGO will do nothing to assist while my husband is out of work. We are not asking for forgiveness, just help during this time. This morning we were told they would do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was charged a Foreign Transaction Fee by my credit card when I had no idea that I was making a purchase from a foreign firm. 
Details : I purchased a music app subscription from a website called XXXX from my computer in the US and was charged in US Dollars. My card agreement does allow for a 0.8 % transaction fee to be charged for foreign transactions made in USD. My issue with this practice is that I had no idea that I was making a foreign purchase and I do n't believe the " reasonable person '' test applies either. I bought from a .com domain from a US computer and paid in USD. My receipt has a XXXX XXXX address at the bottom. Nowhere on the website does it mention that the firm is based in XXXX. 
My bank did agree to refund the fee one time as a courtesy, but I have an issue with the practice of charging a fee when a reasonable person has no reason to know that he/she is going to be charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX percent XXXX military Veteran who applied for the student loan forgivenessXXXX program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/XXXX was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by TRAN UNION. Based on my understanding, under the XXXX XXXX, a veteran who seeks federal student loan forgiveness if they receive a XXXX XXXX rating by the XXXX should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: SC

Complaint narrative:
I took out a loan with XXXX and was making my payments on time and never missed a payment up until the time I fell on hard times and loss my job. I then ask them to stop debiting my checking account on the date they were taking it out. I ask the company if they could work with me and change my due date but they told me they could not because I did n't have enough funds to renew my loan. I explain that I did n't want my loan renewed I just simply needed my date change because my pay period had change because I change jobs with lesser income. Myself an my husband had an acooutn with this company but they were not willing to work with us. XXXX is a member of the community financial services as a member they agree to offer an extended payment plan to consumers but this was not offer to my husband and I and the change of the date was not offer to us. So after stopping the payments to be drafted out of my account I no longer heard from the company, now today XXXX I get an harassing call from XXXX telling me they are placing a claim against me and the original creditor was XXXX. So I asked XXXX XXXX when he called me from a south Carolina number could he send me correspondence in the mail about this debt so I can look over the amount and see if this is correct and they I can get back with him. XXXX XXXX then gets loud with me and told me I had enough time to get in contact with him to settle the debt I then told him me or my husband that the account was sold to them and I would need to look over the debt before I made a statement. XXXX XXXX told me that he would do what he had to do and good luck. I said ok sir. XXXX XXXX then calls back 5 minutes later and says mam what exactly are u going to do. I said sir I ask for correspondence in the mail about this debt and within 30 days I will give you a statment. XXXX XXXX was loud and not willing to work with me, so I ask that he did not call be back. XXXX sold our account to this XXXX XXXX XXXX and I was not aware and they never offer us any payment plans or anything during our financial hard time. I want the calls to stop and the account be written off due to lack of communication from XXXX and not offering us any type of assistance to help us with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP
State: WI

Complaint narrative:
I lost my job in XX/XX/XXXX and was unable to make payments on my loan. I obtained a job in XX/XX/XXXX and made one payment right away. XX/XX/XXXX my daughter was sick so I was off work for a short time. I was unable to make a full payment for XX/XX/XXXX. I offered XXXX $ one week, XXXX $ the second week and did not hear back from them until the sent me a default letter in the mail. The manager emailed me today and stated that I had not offered a viable payment and that because of that they would garnish my wages. I am attempting to pay what I can until I either gain a XXXX job or get back on my feet and can make the larger payment in full once a month. I explained to her that had she taken the smaller amounts it would have added to the larger payment but no response. She has not sent anything to court to be legally able to garnish my wages. I am attempting to offer smaller payments but they are not being accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo & Company is violating the Federal Fair Debt Collection Practices Act by aggressively threatening to sue myself and my mother ( co-signer ) of a student loan when Wells Fargo & Company is well aware that I have served Wells Fargo & Company with a cease and desist letter AND according to the consumer contract ( which Wells Fargo & Company refused to provide to me ) the contract forbids court cases and requires all cases be brought via Arbitration. 

Wells Fargo & Company is violating the Fair Debt Collection Practices by making false threats that the allege debt will go to court even though Wells Fargo & Company is well aware that bypassing the Arbitration agreement would be illegal and unlawful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My auto was wrecked in XXXX/XXXX/2016 a total loss my insurance adjuster totaled the auto on XXXX/XXXX/2016 cut a check for the amount figured for the auto..I contacted my GAP insurance and filed a claim the day I was informed my auto was totaled.. when I checked on the status of the GAP claim I was told the dealership had coded the auto as a repossession instead of a loss and to inform them to contact the office and submit corrected coding info..The dealership apologized for the error and submitted the correction. I then checked the status of the dealership and was informed the check was stopped and another check was being issued to my lien holder Chase Bank. I asked was there anything else needed of me and was told no. I asked if I could get a copy of the check that was issued to Chase and it was forwarded to me. I checked my credit and to my surprise the loan was on my credit report I then contacted Chase and was spoken to rudely and asked for a manager which I was not forwarded to I then went to an actual Chase bank being that their headquarters is not located in the city of which I reside the banker I spoke with listened and phoned the executive offices then I was told that the dealership did not code for reinstatement of my GAP insurance. I then asked Chase why had n't anyone contacted me regarding this? I was then told by Chase I needed to get in touch with the dealership and have them correct the error of reinstatement I personally drove to the dealership and spoke with the administrative person whom had handled the paperwork and was told when the error of repossession code was corrected to total loss they 'd reinstate the policy. I informed her Chase had put the auto balance on my credit she wrote a letter explaining the discrepancy and error and contacted GAP to reinstate the policy. It 's now XX/XX/2016.. I spoke with a rep. within the executive offices of Chase and she asked if I could contact GAP and have them overnight the check ..I contacted GAP and was told the file is on the Boards desk awaiting approval..I spoke with GAP on XXXX/XXXX/2016 the Board finalized the claim on XXXX/XXXX/2016 and the check was submitted ... and Chase Put the charge off on my credit ... .and wo n't release it they 've been paid {$24000.00} ... but wo n't release the charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXX to Nationstar Mortgage. I did not receive notification of this transfer until after I made a {$980.00} mortgage payment to XXXX for my XXXX 2015 payment. When I set up my new Nationstar Mortgage account, I noticed that my payment to XXXX had not been applied to my Nationstar Mortgage account and my account was showing as not paid. I paid Nationstar Mortgage another {$980.00} so that my account would be paid with Nationstar within the 15 day grace period and would not be hit with late fees or result in a negative credit report from Nationstar. The transfer letter that I received from Nationstar stated that XXXX would forward the payment to Nationstar ( XXXX # XXXX / my Nationstar mortgage # XXXX ). XXXX XXXX XXXX XXXX # : XXXX / my XXXX mortgage # XXXX ) has not forwarded that payment. 
I have been defrauded by both Nationstar and XXXX in what appear to be a scheme putting me in a situation where I am forced to pay XXXX mortgage payments for 1 month. 
As I see it, XXXX has defrauded me out of {$980.00} by accepting my payment, knowing that my loan had been transferred to Nationstar, and then failing to forward that payment to Nationstar which resulted in my having to pay Nationstar an additional {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: AES/PHEAA
State: MD

Complaint narrative:
I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal refuses to transfer money from my checking account to my credit card. They refuse to send me their arbitration certificate which is stated in their membership agreement is available. Every time I call Navy Federal they disconnect the call or place me on extended hold periods. They mishandled a dispute and recharged my credit card and a credit card that I am an authorized signor on. Navy Federal refuses to provide me with information regarding their alleged investigation and the information on why they denied my claim. I am also not receiving paper credit card statements in the mail, I receive emails to view my statement online but my online access is blocked. I want to records of all the statements that have been mailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!

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