BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Other

Complaint:
A Payment to Wells Fargo for the full balance was made. Wells Fargo continues to hold the payment even now 6 days later. We have made large payments to Wells Fargo in the past and experienced the same issue repeatedly.

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 2017-04-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out loans to get a  XXXX  from   XXXX   XXXX   University - at the time, I did not know that the interest rates being charged were insanely high ( between 6 % and 8 % ). The original amount of my loans were about {$90000.00}. As a newly graduated   XXXX   XXXX  , I was only making about {$55000.00} per year and living in   XXXX   XXXX   XXXX   - I could not afford to make payments, so needed to go into forbearance. Because of capitalized interest, I now owe {$140000.00}. I am currently making payments of about {$900.00}  ( this is  a huge monthly burden ), and I am not making a dent in the balance - this is all going toward interest. I have pulled are report of the payments I have made, and over the years that I have been in repayment, I have paid close to {$250000.00}, but my balance remains the same. I feel that I will never be able to pay off these loans - at the rate I am going, the balance will remain the same for my entire life, and I am struggling to afford these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access

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 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As I should have known by now, bank of America is not answering my calls and not responding to messages! I was told just a few days ago by a b of a representative whose name was represented as XXXX XXXX that equator file had been opened on XXXX XXXX, I called my realtor and was told that it had not been opened and as of today we are still unable to download the information the bank requested! This complaint is in addition to the XXXX other complaints filed in the last few months! Listed are complaint numbers XXXX and # XXXX and # XXXX. Among the people that were said to have been working on my behalf that I have never had any contact with in spite of numerous efforts are XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I did however speak with a guy named XXXX whom I felt would be helpful. These are in addition to numerous other people that did nothing to solving the problems! Please bear in mind that I called b of a in an effort to resolve the issue, and have presented all the information they requested!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I accepted an Experian offer for information about my credit score for {$1.00}. The offer came with a free 7-day membership in some sort of service, but I never agreed to receive or pay for any service other than the {$1.00} credit score report. I now see that Experian has been charging me {$23.00} per month. I never agreed to this charge. I received an email from Experian congratulating me on becoming a member, but with no disclosure of any fees or costs. ( See attached. ) Now, the Experian site will not allow me to log on with my credentials, and does not send me a temporary password or any other way to log on to cancel this fraudulent subscription that the company created in my name without my authorization. I have written Experian an email requesting them to cancel this fraudulent subscription.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I emailed, I called, I went into the branch and spoke with the manager who gave me XXXX XXXX from XXXX XXXX ; XXXXXXXXXXXX & gt ; to have get my checking accounts, credit cards, and any other statements since 2008. I have been emailing for 3 weeks and today called. I asked for a manager to contact me. I would like all bank statements since 2008. Wells Fargo has robbed me of XXXX in overdraft fees. When asked for a letter from the institution that does direct deposit saying it was their fault why deposit late, I got it. They still robbed me and laughed. The bank robs their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX.

Company public response: Company 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: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.

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 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did. 
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.

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 2015-05-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I am wanting to save my home. They have not worked with me on on foreclosure preventive options. I called to apply for a loan modification or any type of program to help me save my home to stop the foreclosure. No one has helped me, nor mailed me a letter or offered me any type of repayment plan or anything. I received a letter and text from a lady stating she bought my home then I got a reinstatement letter from Penny-Mac afterwards. I went down to the county records building and saw that they lady is attempting to change my deed to her name. I need help and the service they are giving me is not helping at all. I have XXXX and need help saving my home, stopping this foreclosure and eviction. 

History, I lost my job and contacted them after looking online for some assistance help. The lady I spoke with when I called told me that she would mail me some paperwork that I have never received. I called after some time and was told I was denied and would be mailed some more papers with options. I did not receive anything then. Then the next thing a strange lady came to my house and said that she had bought my house. No notices or anything was delivered or posted at my house. I was not aware of anything and no one is trying to help me save my home. When I call I get some one who is rude and dont want to help me. Now someone is saying I may have to move. I received a reinstatement letter after the lady came saying she is trying to buy my house. I contacted the records building and they told me that same lady was trying to change my deed to her name. Can someone please help me. My loan is currently with Penny Mac it was with XXXX XXXX XXXX so I dont even know what or who half the time. My loan number is XXXX. 

I need someone to help me to have the foreclosure process stopped and help saving my home. For myself to be reviewed for the programs that are out there to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was tricked into selling a house owner finance. The house is on the verge of foreclosure and the current " owner '' refuses to pay on time. Wells Fargo refuses to foreclose and calls me everyday from multiple numbers asking for a payment I have n't made in 4 years. Its destroyed my credit and I ca n't begin to buy another home with an existing mortgage on my credit. 

I have been impersonated to Wells Fargo by investors on this property to gain information about this account and possibly others and Wells Fargo has taken no action to protect my accounts and I have reason to believe that the bank is contacting other people asking for payments on this account, people who have no right to my account information.

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 2017-02-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated. 
Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points

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 2016-12-03
Company: Clarity Services
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2016, I filed for Chapter XXXX bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I applied for a loan from XXXX. I was given a rejection with Clarity Services listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed. 

Whoever Clarity Services is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX XXXX of Indiana, is XXXX - identification has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient reps told me there was no way to lower my payment multiple times on the phone. I was told another time when I inquired if they could be lowered because I now had a XXXX dependent nephew living with me full time and relying on me 100 percent for support that adjusting the number in my household would make my payment go UP. I was told I could take forbearance which I have had to several times due to my new dependent and the strain it caused on my finances. I was not informed until recently many of the payments I had made were not going towards time on IBR plan.

Company response to consumer: Closed with explanation