BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a victim of the Wells Fargo scam that has been going on for several years. I opened my account in XXXX 2009. There was an incredible amount of overdraft fees and secret accounts were opened without my authorization.

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 2015-09-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
WELLS FARGO A Personal signature loan with a co-signer was taken out when I lost employment, so I could return to school to finish a degree. The funds were used for living expenses. Divorced 3yrs later and with XXXX children, I had no choice but chapter XXXX bankruptcy that was filed in XXXX XXXX and discharged in XXXX XXXX. 
A letter from Wells Fargo dated XXXX XXXX was also obtained and filed with the bankruptcy courts, ( see attached letter from Wells Fargo ) explaining the debt was a dischargeable loan. Five years later I find out the loan was deferred as I have been in a master 's program. I did NOT request the deferment! Now that the loan is out of deferment, I am being told the debt was not discharged. I have made several attempts in contacting Wells Fargo along with sending certified letters to have this issue resolved. 
Several occasions I have made contact with Wells Fargo, I get the runaround and passed back in forth between customer service and the bankruptcy departments. Each time telling me I am not in active bankruptcy and the loan was not discharged. When I ask them to pull up the docket along with the page number showing the letter that was received and filed with the courts from Wells Fargo explaining the debt was dischargeable, ( see attached ) I get the excuse the letter was dated in XXXX and the bankruptcy was not discharged until XXXX, so the letter had expired. I have spent many hours/days trying to get this resolved and have not gotten anywhere. I have had Wells Fargo on several occasions tell me they will have a supervisor look into the letter and the bankruptcy and will get back with me. I wait a week to ten days call back and the process starts all over again, meanwhile reflecting on my credit and unpaid late notices.

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 2016-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Filed a claim with my bank for an unauthorized purchase and they filed the claim as a ATM withdraw why? No clue! And yet they denied my claim and took the money from me. I know 110 % I did not make this purchase. It 's Wells Fargo and they will not provide me with any proof of documentation about it. Ca n't even get ahold of there claims department. They are stealing money from me and lots of other people and I want to blast this all over the place. They take my money right befor XXXX so now I ca n't buy anybody gifts and they do n't care. Everyone says I am about to be out for XXXX. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has very high interest rate for my mortgage. We just want our interest rate to go down so we are able to pay for our mortgage and lower the monthly payments. They keep raising the loan amount. Due to this it has impacted on my health.

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 2016-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away and I inherited the subject property. The bank said they would work with me to advoid foreclosure in XXXX XXXX the FC is sale date is XXXX XXXX, XXXX. I was advised of what documents was required to be reviewed. I have sent all the required documents. ( XXXX, XXXX, Tax 's return, XXXX form, XXXX ; Dodd Frank Certifcate, XXXX paper work ; Quit claims deeds from all parties. My SPOC ( rep assigned to my loan ) continues to tell me i havent sent the correct documents. When I ask what documents I need to send she does not know. When I requested to speak with a manager I am denied I was advised someone would call back. That did not happen. I called again and was told the only person that I could talk to is my SPOC to whom was not available. I requested for a manager and was denied again. I spent 4 hours on the phone ( begging ) requesting to speak with a manager to get some answers, finally I spoke with a Admin Manager by the name XXXX XXXX ; Whom still was unsure of what documents were still needed. He then adv me my request for a review was closed due to insufficent documents on XXXX XXXX. XXXX said he would re- open ( re- activate is what he called it ) my request. I also asked several times for the FC sale date to be postponed I was denied that. The FC sale date is currently scheduled for XXXX XXXX, XXXX. I previously asked at the beginning of theis process would there be enough time for the reveiw. I was advised in XXXX, XXXX I did n't need to worry about the FC sale date because they have plenty of time to review me. Hence they have not reviewed me for any options and the FC sale date is still set. I asked several time cane the FC sale date be postponed until the can figure out what documents are still needed. Im still waiting for a answer. I live in the house with my XXXX child and we have no where to go if I loose my house. Im just asking for someone to pleae help me save me home.

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 2015-09-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX XXXX XXXXMy name is XXXX XXXX and I 'm a XXXX year old widow. My husband passed away 12 years ago next month. At the time of his death I was not able to afford my mortgage payments but knowing I 'm responsible for my debt I started taking in roommates to help cover my income shortfall. Time and time again I found myself being taken advantage of and had to move multiple people out. After trying to make it work with roommates I just found them damaging my property or not paying me. Finally after about 10 years ( XX/XX/XXXX ) I decided enough was enough and tried selling my home. It did not sell and I relisted it in the XX/XX/XXXX and still has not sold. Not being able to afford my mortgage I fell past due on my XXXX payment. Wells Fargo started calling me XXXX times a day and they finally broke me on XX/XX/XXXX. By that date I had spoken with multiple people and had received information in the mail. But on XX/XX/XXXX I got a call at work. I told the gentleman that I was at work and to not call me there anymore as I was working and losing my job would not help the situation. I hung up on him. XXXX minutes later he called back. I was in shock at the blatant disrespect and felt harassed that he would do that. Again I told him to stop calling me there and while he did not call me again that night I still received calls and voice mails at my job. Also in cutting back my expenses my only home number is now my cell phone which they are repeatedly calling. Sometimes there are people there and sometimes there are not. I sold some personal property and was able to make XXXX mortgage payments on XX/XX/XXXX. After doing some research I believe Wells Fargo violated my rights under the FDCPA and TCPA. Please take action against them on my behalf. I also do n't want to receive phone calls from them ever again! I revoke any consent I have given them to call me at my job, cell phone or any other number they have. I 'm happy to respond to them in writing. 

Thank you XXXX XXXX for your help, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09
Company: WELLS FARGO & COMPANY
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
As a Wells Fargo checking, savings and auto loan account customer, I was repeatedly solicited to open a secured credit card account. In XX/XX/XXXX, I placed {$6000.00} collateral into a Wells Fargo account and used it for a few months. On XX/XX/XXXX, I paid the outstanding balance of {$5900.00} in full and called Credit Card Customer Service at XXXX to confirm that that the account was paid off. I was informed on a recorded line that my collateral deposit would be transferred into my Wells Fargo checking account within 6 weeks. On XXXX XXXX, I still had not received it, so I called same number and spoke with supervisor XXXX XXXX on a recorded line. She did not know why it had not been transferred yet, but assured me the funds would be available in my checking account by Fri XXXX XXXX or I should call her again. On XXXX XXXX, the funds were not there, and at it was exactly 6 weeks since pay off. I left her XXXX voicemails which were not returned. I then spoke with supervisor XXXX, extension XXXX who informed me that the funds were not released until XXXX put the order in on XXXX XXXX! She also informed me that even though this was Wells Fargo 's mistake, it could be ANOTHER 30 DAYS ( from XXXX ) for the funds to arrive! XXXX also suggested that I should " call every day '' to check on the wire as if I have time for such a thing! None of this was my mistake and I 'm being penalized for their incompetence!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
PNC BANK ALLOWED XXXX TRANSACTIONS TO MY CHECKING ACCOUNT THAT ALSO HAS A DEBIT CARD. THESE TRANSACTIONS WERE COMPLETED BY SOMEONE IN XXXX. I HAVE REQUESTED THE BANK FOR A PRINT OUT TO WHICH IT IS ON FILE. AT THE SAME TIME MY MOTHER KNEW HOW TO FILE A REPORT WITH XXXX SO THAT WAS COMPLETED THIS AM. I DEMANDED THE BANK TO PUT THE FUNDS BACK INTO MY CHECKING ACCOUNT THAT TOTALED {$740.00}. PNC IS ONE OF THE LARGEST BANKS AND TO THINK THAT THEY ARE NOT ON TOP OF THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I am a XXXX year old single mother of XXXX. I am writing this complaint as I have no where else to turn. I had a checking account with BBVA Compass in XXXX, Fl in 2009. The account became over drawn, which was an over sight on my part. The account was closed. I have been fighting with this for years and BBVA Compass have not been helpful. They never informed me that I was reported to a company called XXXX XXXX Services. The overdraft on my account was simply an over sight. It was no way intended to cause fraud. I went into XXXX of the local BBVA Compass branches and spoke with a branch manager and I was given a print out of when the account was opened and when it closed. Keep in mind, this account was paid to a zero balance. The overdraft amount was {$7.00} according to my print out. I paid BBVA compass for the overdraft and any associated fees a few years ago. The word " Fraud '' has been hanging over my head every since and again there was no way this account was associated with fraud. I am not a criminal and I have no criminal record nor do I have fraud on my back ground. I am a law abiding working citizen that made a minor mistake and its costing me dearly. Please have Compass review there records and remove this label from my name. This account was not associated with nor intended to be used in any type of fraud activity. If BBVA Compass truly believe this account was intended for fraud, please prove it. I dont owe them anything. And if BBVA Compass does not want my business, I understand but please dont make it hard for me to move on to another financial institution. This is so unfortunate and these kind of practises are intended to hold back the already middle class to poor. Life is a struggle as it is and with paying additional fees to cash my payroll check or pay for pre-paid cards is really hard on me. If you can pull records from BBVA Compass, they allowed me to re-open an account only to close it a few days later and didnt give me an explanation. Never told me they reported me to a place called early warning services for the very very old account back in 2009. I have suffered enough. Again, please review your records as the account was not intended to be used for any mis-leading purposes. I have attached the printout that was given to me and a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originated a XXXX mortgage with XXXX in 2015. I setup the draft date for the XXXX of each month. In XXXX 2015 Loancare took over the loan. Loancare did not draft on the XXXX so I called them on XXXX XXXX. They found the error then drafted {$3200.00} on the XXXX and again on the XXXX. I have spent hours on the phone trying to get this resolved. Loancare said at this point my account would not be drafted again until the XXXX of XXXX. They then drafted my account again XXXX XXXX. Loancare wants me to prove to them that my account was drafted XXXX times in XXXX. I sent them my bank statement and now they want to see my account balance. I have attempted to speak with a supervisor but Loancare continues to disconnect me after a long hold time. Can you please help me with issue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.

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 2015-12-29
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at XXXX % ( my income is {$31000.00} per month + rent {$3500.00} from property ) my obligations is ONLY @ XXXX for the mortgage on the rental property I own in XXXX XXXX XXXX , CA XXXX 2.Delinquency regarding my late payment on the XXXX credit card was explained in a document was submitted to USbank, the amount was {$300.00} and we did not received the final bill because of our move to XXXX on XX/XX/2013. 
3.They are no revolving accounts for me in XXXX except the mortgage including insurance + tax for my property in XXXX XXXX , which is {$3900.00}, and I pay {$5000.00} every month for 15 years mortgage. 
4.Unable to verify employment is completely untruth, XXXX for my employer ( XXXX ) here in XXXX and XXXX were never contacted by USbank or anyone representing USbank. 
5.I have been working with XXXX for the last 17 years going on my 18 years and complete records of my salary and positions are available in the XXXX system. 
6.My FICO score is XXXX

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