BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This complaint is connected to # XXXX, # XXXX, & # XXXX. Last week XXXX/XXXX/XXXX I did submit a complaint to Wells fargo about disputing the fact that there are errors on my statements. I 've waited 11 months to get a written copy of my alleged debt. And have found some questionable transactions. I 'm submitting one example right now. Page XXXX of the customer account activity statement. Last line, XXXX/XXXX/XXXX amount received {$1000.00}. Then page XXXXof the XXXX. line XXXX amount received {$130.00}. Ok I paid {$1200.00} on XXXX/XXXX/XXXX enclosed a copy. Then line XXXX amount received {$2200.00} on XXXX/XXXX/XXXX ok I 've enclosed a copy. I see a payment was paid the rest to unapplied. Then paid another payment line XXXX with {$84.00} going towards late charges or outstanding fee balance then line XXXX {$170.00} Applied to principle. But then line XXXX, XXXX, XXXX, XXXX it says payment reversal. Why? Then line XXXX says non-sufficient funds reversal. Then line XXXX return item fee. Ok I do n't know why Wells Fargo took my money back. There was no way my check bounced why is that it 's because Wells Fargo was the one who wrote us a check from our restricted escrow account in the amount of {$9900.00} I 've enclosed a copy of XXXX/XXXX/XXXX statement showing XXXX that money was released. I 've enclosed a copy of the disbursement check voucher from when we received it. So, what happened to my money. Do you realize that that was the very beginning of that loan modification and right from the start I thought my money was being applied correctly. And feel it has not. Then line XXXX it looks like a payment was paid but in date due it says XXXX? XXXX, XXXX, and XXXX should have been covered. It 's should say XXXX date due. So, if I 'm incorrect please explain my statement. I did ask last week that if Wells Fargo seriously feels there 's no error I 'll hire a lawyer, but if maybe I 'm right and my alleged debt should be looked at and explained the errors I have found, we can talk the only reason I cease and desist Wells Fargo was because I wanted my debt in writing and I now have it. Also I 've also asked if you could stop, postpone, cancel the auction right now at this moment being bid on line. The auction last weekend was difficult for me and my family to go through and here it 's happening all over again. I 've gotten a 3 day eviction notice, and unable to stop all this. I will sign a revised loan modification only if my account is reviewed. I would also like a written copy of my restricted escrow account started back from XXXX when we purchase the home. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with navy federal credit union that is now closed but I still have to make monthly payments on it as it still has a balance. I do not receive any paper statements or online statements. Contacted a supervisor twice and spoke to numerous times to customer service reps. The only thing I know is that my payment Due date is on the XXXX of the month. I have no idea what my interest charges are. Everytime I call to make a payment I ask what my minimum payment is and that is how I 've been paying my monthly credit card bill for the past year. Absolutely unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX, XXXX XXXX/XXXX/XXXX I called Wells Fargo for a status of mod they stated that they rcvd the XXXX, rep was unsure of status and stated some updated docs may be needed. Explained to the rep my conversation with supervisor, XXXX. She stated that he would give me call to go over the file with me. I never received a call back. On XXXX XXXX, XXXX I called Wells Fargo and requested a supervisor, I was told a supervisor was not available they will have someone reach out to me. On XXXX. XXXX, XXXX I spoke with XXXX XXXX and he provided me a number to the XXXX XXXX XXXX XXXX XXXX. Which should be able to help me with my concerns of the file not moving out of the reentry department because it will 24-48 hours for a supervisor to call me back. I have just spent 1 hour and 17 minutes on the phone with XXXX ex : XXXX in the XXXX the complaint will be addressed within 24-48 hours and she then transferred me back to the reentry department who advised that update P & L and bank statements and XXXX with the year XXXX is being requested. I then received a call from XXXX team who stated that the loan is not eligible for review because the sale is 7 days away. I stated that I just spoke with the reentry dept. for 2 hours yesterday and they requested me to submit a full package. The rep stated did she did not see notes in the file. On XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX called me back and stated that they would be closing out the file because the documents that were requested on the XXXX of XXXX were not received. I spoke with XXXX prior and he had confirmed that XXXX of the XXXX documents has been received. I proceeded to ask her if the phone calls are recorded she stated that they were and that her supervisor would listen to the phone conversation and call me back tomorrow. I have not received a call back.

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 2016-01-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Situation 1 : I notice {$15.00} deducted from my account. The bank states that my account was credited and they are now collecting their funds. I do not believe this to be accurate. 
I attempted to view a detail version that would explain everything in whole but they denied me. 

Situation 2 : I need the overdraft fees corrected on my account. The last overdraft fees charged to my account were to be placed back once my claims were processed but after the claims were processed - the fees were never adjusted. 

Please advise.

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 2015-09-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage with Wells Fargo Bank in XXXX for my home. Had to file ch XXXX bankruptcy on XXXX XXXX following a nasty divorce in XXXX. I completed the intent to re-affirm on my mortgage with my attorney and sent to the judge as well as to WF. Judge signed off on everything XXXX XXXX ; told everything was fine. XXXX XXXX loan officer from WF contacted me to refinance my mortgage ; completed paperwork and was stopped at underwriters dept stating that re-affirmation paperwork had not been completed/accepted and loan was discharged. After multiple conversations with the bankruptcy dept at WF and my attorney - no resolution was made. Filed a claim w/Attorney General 's office in XXXX against WF. Filed motion to re-open bankruptcy case requesting WF to lift the stay and report payments. Motion to re-open bankruptcy case was granted and on XXXX XXXX, XXXX appeared in front of the judge. Judge granted motion asking WF to lift stay and report all payments ( WF has not reported payments since XXXX XXXX XXXX as I have not missed any payments ( I have records of each pymt ). I can not refinance my mortgage ( to get it out of WF hands ) as my credit score is too low and with a mortgage accounting for more than 78 % of credit score ... I need WF to report my payments. WF has managed my escrow account this entire time - paying my homeowners/property taxes. I am being denied on loan request for my kids ' college parent plus loans, denied for auto loans ( unless I want to pay a ridiculous interest rate XXXX. My attorney believes that I have a lawsuit against WF, however I do not have the funds for this. I am just looking for some help to get this resolved - I have been fighting with this stupid bank ( HORRIBLE CUSTOMER SERVICE ) since XXXX. Any help with this matter would be greatly appreciated. I will attach all documentation ... please advise if you need additional documentation to proceed. Thanks Much!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: DE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A tax lien appeared on my credit report and I disputed this information, the credit bureau ( Experian ) stated they investigated the dispute and the information was verified and remained on my report, however I contacted the local Clerk of Courts office and they could not initially find anything and then was able to locate something which was from XXXX, in XXXX I paid all outstanding business taxes and received a letter ( provided to Experian ), neither the Louisiana XXXX or XXXX office is claiming to have provided this information to the credit agency ; so I 'm not sure who they verified this information with, this lien would have been part of re-aging, since the lien was reported in XXXX ( 16 years ago ) ; this information needs to be removed from my record, as I 'm told this debt is written off and the credit agency is indicating this debt to be current as of XXXX, which is incorrect, and has caused me issues with getting a loan. Also, I have never lived in XXXX, LA -- -this also showed up on the report at the same time as the lien.

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 2015-10-28
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over 7 different occasions.

Company response to consumer: Closed
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.

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 2015-08-04
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I requested forbearance due to income issues due to XXXX. I received 2 extensions ( ended XX/XX/XXXX ) At that point I requested paperwork to see what my options were at that time, including but not limited to loan modification. I never received the paperwork. In XXXX of XXXX I requested the paperwork again. The only option I had at that point was a loan modification. I started the process and finally got it approved and settled in XXXX. I met all the requirements of the loan modification during the trial period. The loan modification was officially finalized on XX/XX/XXXX. 
SInce XX/XX/XXXX I have been trying to get dates and letters from Citizen so that I can refinance with another institution. I have even had conference calls with loss mitigation, customer service, my mortgage broker, and the perspective new lender outlining all the information that is needed, and STILL have not been able to get basic information that we need. We have even faxed the request to both customer service and loss mitigation, but to no avail. 
The information we need is : .1 The date of the end of the final forbearance .2 Documentation or confirmation the borrower applied and submitted documents at the end offorbearance.

3. We need verification demonstrating the borrower applied for modification at the appropriate times. 4. Timeline of application for modification and when the servicer approved the modification.

5. Payment plan prior to modification.

We need to see the borrower met all forbearance and pre-modification agreements with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.

Company response to consumer: Closed with monetary relief