BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the XXXX XXXX XXXX XXXX. I have gone directly to XXXX and spoke with XXXX XXXX XXXX directly and his staff and WFHM, failed to send the required paperwork to the XXXX and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a XXXX rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the consumer.

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 2017-01-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: U.S. Auto Credit Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off my auto loan with the amount the company agreed to. But they reported it like I underpaid the company. Ive did a report with your company and Im not understanding why you closed my complaints XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : IQ DATA INTERNATIONAL IN Address : XXXX. zip : XXXX, WA XXXX Re : XXXX XXXX at XXXX Amount : {$460.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau Experian refuse to remove an accurate information pertaining to a public record. I went to the furniture of the information obtained a letter stating that the information Is reporting in error and they refuse to remove the information. I would like for them to remove in accurate information immediately per the fair credit reporting act. Attached is the document from the federal courthouse of XXXX Georgia stating that the information is reporting in error.

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 2016-01-25
Company: LENDER LIVE
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, My name is XXXX XXXX and I attended XXXX College in XXXX Ferry, NY. I took out loans from XXXX and Navient. My Federal Government Loans are with Navient. I believe that XXXX College made me take out to many Government Loans, Sub and Unsub. XXXX College made me take out loans for 3-4 semesters that coast me each semester around $ XXXX- {$16000.00}, when a semester was around {$8000.00}, {$8500.00}. I do n't understand why they charged me so much and also made me take out so many loans when I was also paying half cash. I am now in debt because of the the amount that I borrowed and the interest rate Navient gave me. My father is the co-signer and he has excellent credit and they still gave me a high interest rate. Navient wants per month {$400.00}, but it is expensive for me. I will have to pay more because the interest rate they gave me is to high and I know {$400.00} will only go towards the interest. I will have to send in more for it to go towards my loan. They told me they could lower my payments, but how does that help me? The amount I owe to Navient will take me 30 years to finish paying it off. I need help and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I signed up for Wells Fargo Merchant Services to add credit card acceptance to my XXXX. I was not informed that there would be a significant monthly charge for the service ( {$30.00} ) and I was not informed that there would be a very large termination fee for the service ( {$500.00} ). These fees are extraordinary in my experience with credit card processing services. I have terminated the 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 2017-08-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the 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
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My issue is with a federally chartered bank, in fact, the first federally chartered bank in the U.S., Wells Fargo. I started a short sale with Wells on XX/XX/2015 -- XXXX days ago. The file has been passed through XXXX ( XXXX ) negotiators -- XXXX XXXX, XXXX XXXX, and now, XXXX XXXX. There have been numerous requests for information ( including request to change items Wells has previously asked us to do ) -- all information requests from Wells have been satisfied within XXXX hours. ( Incidentally, these information requests have been made, notwithstanding the fact that the XXXX negotiator, XXXX XXXX, indicated he had everything he needed to proceed ). What 's disturbing is that each time Wells moves the file to a new negotiator, there is no reason given, and the new negotiator can ask for a single document, or update of a document, and the clock starts ticking anew. It 's a chronological merry-go-round that seemingly never ends because Wells can start the process all over for any reason : " Could you resubmit Addendum One because the buyer 's signature is n't legible enough -- is it XXXX or XXXX? '' Assuming such a request is legitimate, does it warrant starting all over? It 's clearly used as time management mechanism. There has been no communication from Wells since XX/XX/2015 when the negotiator said she 'd be back in touch " shortly. '' We have emailed and called the negotiator 's manager ( XX/XX/2015 ) with NO RESPONSE. The matter has been escalated with the Wells Fargo Executive offices XXXX ( XX/XX/2015 & XX/XX/2015 ) with promises of a response within XXXX hours -- again, NO RESPONSE. I 'm at wits end. If there 's no response to their own management 's request for information, as a consumer, I 'm totally helpless. The mortgage is significantly past due and the next step is foreclosure. This has become an enormous hardship. Having this matter unresolved prohibits me from taking other actions that would benefit my overall health and well being. Like all federal agencies, I know that CFPB has limited resources and I really tried to resolve this with Wells internally. But at the point the EXECUTIVE offices at Wells states that someone will call within XXXX hours, and XXXX days later there 's still no response, I simply do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my Equifax/XXXX Credit Report. 

-I attempted to access my Equifax/XXXX credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-Equifax/XXXX required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
At Wells Fargo Bank, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report Wells Fargo Account PPL XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have Smeller Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well XXXX to Fix this Problem. And Un-fortunately BANK, and XXXX refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK.

I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING

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 2016-01-04
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. 
I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief